Consumer complaint received 2025-12-01 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report as per the Fair Credit Reporting Act ( FCRA ), Section 609, 611, and 613. The information on my credit report appears to be incorrect, incomplete, or outdated, and I request that the inaccurate information be corrected, updated, or removed accordingly. 
Here are the details of the disputed items : Personal Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Credit Report Date : XX/XX/XXXX Score : [ XXXX / XXXX / XXXX ] Disputed Accounts on Equifax Report : XXXX. XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Positive o Violation ( XXXX ) : Data Breach Unauthorized access to personal information. 
o Requested Action : Verification of account information and correction/removal if inaccurate. 
XXXX. XXXX XXXX XXXX XXXX Account # ( 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 o Status : Collection/Charge Off o Violation ( s ) : Data Breach : Personal information exposure.

FCRA Violations : Reporting of inaccurate balance information ; multiple reports of " in dispute '' status not updated. 
XXXX. XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Collection/Charge Off o Violation ( s ) : FCRA Violations : Failure to report accurate payment history. 
XXXX XXXX : Security lapse exposing sensitive information. 
XXXX. XXXX XXXX o Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) o Status : Revolving Credit o Violation ( s ) : FCRA Violations : Misreporting account status as delinquent. 
Data Breach : Possible unauthorized access to my account details. 
XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Installment ( Sales Contract ) o Violation ( s ) : Inaccurate account informationfailure to report payments correctly.


Data Breach : Inaccurate reporting of financial data potentially stemming from security flaws.

Other Violations Noted : Failure to comply with FCRA 609 : Incomplete reporting of payment history.

Data Breach : Sensitive personal data has been compromised, and unauthorized parties may have accessed account details or reporting history.

FCRA Section 611 : Discrepancies between the reported information and my actual credit history, affecting my ability to secure loans or other financial services.

Request for Action : 1. Immediate Correction of Information : I request that the disputed accounts be investigated and corrected or removed if they do not comply with FCRA regulations.

2. Notice of Data Breach Investigation : Please provide a detailed account of any data breaches that may have affected my personal information and an explanation of how these issues were rectified.

3. Updated Credit Report : Once corrections are made, I kindly request an updated version of my credit report with accurate and updated information.

Company response to consumer: Closed with non-monetary relief