Consumer complaint received 2025-05-22 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: MO

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ) to formally dispute multiple entries in my credit file that are erroneous, misleading, or unlawfully reported. I have reviewed my credit report and discovered several items that do not accurately represent my identity or financial history, and they are contributing to undue harm. 
First and foremost, the following addresses listed in my credit report are incorrect and must be immediately removed as they do not correspond to my actual residence history : XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; and XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX These misattributed addresses could result in false association with accounts or activity unrelated to me and present serious risks for identity confusion or fraud. 
Additionally, I challenge the accuracy and legal reporting of the following credit accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This account, listed as a collection with a high balance of {$2400.00} and opened on XX/XX/XXXX, is not verifiable and lacks proper substantiation from the original creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a charge-off with a high balance of {$850.00}, opened on XX/XX/XXXX. If this debt was charged off, a 1099-C form should have been filed per IRS Publication XXXX. In general, if a debt you owe is canceled or forgiven, other than as a gift or bequest, you must include the canceled amount in your income. The absence of such documentation indicates a violation of IRS rules and makes continued reporting unlawful. 
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  : These late payment entries must be validated under FCRA 1681s-2 and FDCPA 1692g. I demand proof of accuracy and permissible purpose of reporting under 1681b. 
Hard inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) : I never authorized these credit pulls. Please provide documentation proving that these inquiries were made with my explicit consent and for permissible purposes under 1681b. 
As mandated by the FCRA, consumer reporting agencies must ensure the maximum possible accuracy of the information they report ( 1681e ( b ) ). If the information can not be verified or lacks proper documentation from the original creditor or data furnisher, it must be deleted. Furthermore, under 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting any information that is known to be inaccurate. 
The continued reporting of these false or unverifiable items has caused substantial emotional distress and tangible financial harm, including denial of credit, elevated interest rates, and reputational damage. Under 1681n, you are liable for willful noncompliance with FCRA provisions, and I hereby give you XXXX ( XXXX ) days to respond and correct these violations. If you fail to comply, I will pursue all available legal remedies. 
Do not send generic stall letters. Per FCRA regulations, each dispute must be addressed individually and based on its merits. Any attempt to delay processing based on assumptions about third-party assistance will be considered a willful violation under 15 U.S.C. 1681n.

I AM FAMILIAR WITH THE LAW & I KNOW IT IS IN MY RIGHT TO HAVE XXXX PARTY SOFTWARE HELP WRITE MY DISPUTES! 
I expect prompt compliance. Please provide me with a confirmation of deletion or correction in writing. Enclosed you will find copies of my identification, proof of address, and supporting documentation.

Company response to consumer: Closed with non-monetary relief