Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and all applicable state and federal consumer protection laws. I am demanding immediate investigation and permanent deletion of multiple inaccurate, outdated, unverifiable, and damaging entries that you continue to publish on my credit file. I invoke my rights under : FCRA 15 U.S.C. 1681b ( Permissible Purpose ) 1681e ( b ) ( Maximum Accuracy ) 1681i ( Reinvestigation of Disputes ) 1681n ( Willful Noncompliance ) XXXX XXXX Compliance Guidelines ( CDIA ) Given I am a documented victim of the Equifax Data Breach and National Public Data Breach, your continued reporting of compromised, unverifiable, and unauthorized information constitutes reckless willful misconduct. 

ACCOUNTS TO DELETE IMMEDIATELY : XXXX. XXXX - XXXX Closed with XXXX balance. You continue to report 30-day and 60-day late payments, violating FCRA 1681e ( b ), 1681i, and XXXX XXXX standards. 

XXXX. XXXX XXXX - XXXX Closed and paid, yet youre reporting a 60-day late from XX/XX/XXXX, violating 1681e ( b ), 1681i, and XXXX XXXX XXXX DELETE permanently. 

XXXX. XXXX - XXXX XXXX payment history from 2024-2025 is inconsistent across bureaus, violating 1681e ( b ), 1681i, and XXXX XXXX XXXX DELETE derogatory data and update to " Pays as Agreed. '' XXXX. XXXX  - XXXX You continue to report 120- and 150-day late payments after charge-off and closure. Violates 1681e ( b ), 1681i, and XXXX XXXX. DELETE immediately. 

XXXX. XXXX XXXX - XXXX / XXXX XXXX multiple XXXX day lates with charge-off, no updated activity since 2024. Data is inaccurate, unverifiable, and violates FCRA and XXXX XXXX. DELETE. 

XXXX. XXXX  XXXX - XXXX / XXXX / XXXX / XXXX / XXXX  / XXXX All listed Affirm accounts are reporting late payments, incomplete or inconsistent payment histories, missing XXXX XXXX data fields, and violate 1681e ( b ), 1681i, 1681n. DELETE these accounts in full. 

XXXX. XXXX XXXX - XXXX XXXX reporting with multiple inaccurate derogatory codes and inconsistent reporting across bureaus. Violates 1681e ( b ), 1681i, and XXXX XXXX. DELETE permanently. 

XXXX. XXXX - XXXX XXXX reporting with excessive lates and multiple XXXX XXXX violations. Inconsistent reporting across bureaus. DELETE permanently. 

UNAUTHORIZED INQUIRIES TO DELETE IMMEDIATELY : If you can not provide original signed authorization for each inquiry below, you are required by law to DELETE : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you can not fully verify these items through certified XXXX XXXX field-level data and original source documentation, you are required by law to DELETE them entirely. No updates. No stall responses. Full deletion is the only acceptable resolution. 

Failure to comply will result in : Formal complaint to the Consumer Financial Protection Bureau ( CFPB ) Formal complaint to the Federal Trade Commission ( FTC ) Complaint to my State Attorney General Legal action for willful noncompliance under FCRA 1681n I am documenting all correspondence. Your continued reporting of these items after this legal notice will constitute further willful violation

Company response to consumer: Closed with non-monetary relief