Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and unfair entries on my credit report and related collection activities reported by various creditors and agencies. These entries are negatively affecting my creditworthiness and contain errors that violate my rights under federal law. I request a thorough investigation and immediate correction or deletion of these inaccurate accounts. Below are the details of each disputed account and associated legal grounds : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Incorrect reporting of late payments Dispute : The reported late payments on this account are inaccurate. I have documentation proving timely payments. Reporting false late payments violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report accurate information.

Request : Remove all incorrect late payment entries immediately. 
XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Incorrect late payment reporting Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX ) Issue : Incorrect late payment reporting Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX ) Issue : Incorrect late payment reporting Dispute : All three accounts have inaccurately reported late payments. I demand verification of these late payments per FCRA Section 1681i ( a ), which requires reinvestigation upon consumer dispute. False negative reporting constitutes a violation of the FCRA and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations. 
Request : Delete all inaccurate late payment marks and provide updated, correct reporting. 
XXXX XXXX XXXX Account Numbers : XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX ), XXXXXXXX XXXX XXXX  ( Opened XX/XX/XXXX ) Issue : Improper collection activity and reporting of disputed debt Dispute : These collection accounts are either inaccurate or lack proper validation. Under FDCPA Section 809 ( 15 U.S.C. 1692g ), I have the right to request verification of the debt, which I did not receive. Continuing collection attempts without validation violates my rights. Additionally, inaccurate information violates FCRA Section 1681s-2 ( b ), requiring prompt correction. 
Request : Validate the debts immediately or delete the accounts from my credit report. Cease all collection attempts until validation is provided. 
4. Incorrect and Outdated Addresses on Credit Reports Addresses Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Issue : Reporting wrong and outdated addresses, which can cause identity confusion and impact credit decisions. 
Dispute : Incorrect personal information violates FCRA Section 1681e ( b ), requiring maximum possible accuracy in reporting. 
Request : Remove or correct all inaccurate addresses to reflect my current and accurate residence information. 
Summary and Final Demand : These inaccuracies in my credit report and related collection actions violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), which guarantee my right to fair and accurate credit reporting and debt collection. I hereby demand : Immediate investigation of all listed accounts.

Deletion or correction of all inaccurate late payments, collections, and addresses.

Verification of debts before any further collection actions.

Confirmation of corrections in writing within 30 days as required by law.

Failure to comply will leave me no choice but to pursue further legal remedies, including complaints to the Federal Trade Commission, state attorney general offices, and possible civil action.

Company response to consumer: Closed with non-monetary relief