Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Credit Dispute Statement CC : Experian, XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX Equifax, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX TransUnion, XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I, XXXX XXXX, am formally disputing multiple accounts and addresses on my credit report that are false, misleading, incomplete, unverifiable, and reported in violation of federal law. These errors have caused measurable harm, and I am demanding immediate deletionnot correctionof the following accounts and addresses. 

1. Address Dispute ( Various ) These addresses do not belong to me and must be permanently removed for legal and privacy reasons. Their presence violates my rights under the FCRA. 

XXXX. XXXX XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXX Reporting unverifiable and fraudulent data. 
I never authorized, used, or agreed to this account. 
No purchase agreement or proof of validation was ever provided despite formal requests. 
Involved in litigation ; account is under investigation. 
Violates : 15 USC 1692 ( c ), 15 USC 1681i, 15 USC 1666B, 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Case Law : Engelhardt v Garvens ( MO ) 281 SW 715 719 Estoppel by Silence. 
Demand : Permanent removal of this account due to failure to verify, false reporting, and ongoing litigation. 

XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Vehicle was surrendered and sold at auction. 
No 1099-C was provided ; IRS reporting obligations not fulfilled. 
Balance due not properly credited after sale. 
Payment history includes multiple unverifiable lates. 
Re-aging of account violates 15 USC 1681c ( c ) ( 1 ). 
Violations : 15 USC 1681c, 15 USC 1681i, 15 USC 1681n, 15 USC 1681o, IRS Guidelines. 
Demand : Immediate deletion due to FCRA, IRS violations, and breach of consumer privacy rights. 

XXXX. XXXX XXXX XXXX | Account # : XXXX Charged off, but falsely reporting a balance. 
No 1099-C issued. Account likely claimed as loss for tax break ( fraud ). 
Account contains unverifiable delinquencies. 
Violations : 15 USC 1681s-2, IRS tax reporting violations, FDCPA. 
Demand : Permanent deletion ; no reinsertion allowed. 

XXXX. XXXX  XXXX | Account # : XXXX Charged off, balance still reporting with no accurate verification. 
History contains repeated unverifiable late entries. 
No proper documentation provided. 
Doctrine of Estoppel by Silence invoked. 
Violations : 15 USC 1681e ( b ), 15 USC 1681s-2, Engelhardt v Garvens ( MO ). 
Demand : Remove immediately for being incomplete, false, and legally defective. 

XXXX. XXXX XXXX | Account # : XXXX Reported as collection account without contract or proof. 
No validation upon request. Reporting past due with no payments. 
False and unverifiable. 
Violations : 15 USC 1681i, 15 USC 1681e ( b ), 15 USC 1692g. 
Demand : Delete this account from all reports. 

Final Legal Notice : You are now formally notified that any continued reporting of these accounts or false addresses will be interpreted as willful noncompliance. I reserve the right to pursue full statutory damages under : 15 USC 1681n ( Willful Noncompliance ) 15 USC 1681o ( Negligent Noncompliance ) FCRA 1681c ( Re-aging and outdated data violations ) All false, unverifiable, and harmful accounts and addresses must be permanently removed, not updated, within 5 business days. If not, legal action will commence. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief