Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX : XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ] Phone Number : XXXX ] Email Address : XXXX ] Date : XX/XX/year> ] VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Equifax XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : FORMAL COMPLAINT AND DEMAND FOR IMMEDIATE CORRECTION UNDER FCRA & CONSUMER LAW To Whom It May Concern, I am writing to formally demand immediate corrective action regarding multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable consumer protection laws. 

Unauthorized Addresses on My Credit Report : My sole and correct address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other addresses appearing on my credit report are inaccurate, not deliverable, and not recognized by me. I demand their immediate removal from my file. 

Unauthorized Inquiries : I have not given my consent, signature, or authorization for any hard or soft inquiries appearing on my credit report. Per the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ), you are required to have my written permission before allowing an inquiry on my credit report. Since I have not given such permission, I demand the immediate removal of all unauthorized inquiries. 

Breach of My Information and Identity Theft : It has come to my attention that my personal and financial information has been compromised due to negligence on your part. This breach has resulted in fraudulent activity on my credit file. I hold you responsible under FCRA 15 U.S.C. 1681n and 1681o for failing to maintain reasonable procedures to ensure the accuracy and confidentiality of my consumer report. 

Immediate Removal and Update of My Credit File : Given the inaccuracies and unauthorized activity mentioned above, I demand that you immediately : Remove all incorrect addresses except XXXX XXXX XXXX XXXX # XXXX. 

Delete all unauthorized inquiries from my credit file. 

Conduct a full investigation into the breach of my information and provide me with a detailed report of the corrective actions taken. 

Provide me with an updated copy of my corrected credit file upon completion of these changes. 

Failure to comply with my lawful requests within 30 days will leave me with no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to pursue legal action against your agencies for any damages caused by your violations. 

I have attached a copy of my drivers license and proof of identity for verification purposes. This should serve as the only proof necessary to validate my identity and process my dispute. 

I expect prompt written confirmation that my credit file has been updated accordingly. Failure to act in compliance with the FCRA and consumer protection laws will result in legal consequences. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation