Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX To Whom It May Concern : This is a formal and final dispute concerning violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards currently present on my credit file. You are knowingly reporting inaccurate addresses, unverified charge-offs, invalid collections, and unauthorized inquiries all without proper validation or permissible purpose.

Unless each item listed below is fully validated with legally required documentation, you are obligated to delete them immediately under FCRA 1681i ( a ) and 1681e ( b ).

INCORRECT ADDRESS DATA DELETE IMMEDIATELY The following addresses are false, unverified, and unrelated to me. Their continued presence poses risk of identity misassociation and violates FCRA 1681c-2 : XXXX XXXX XXXX, XXXX, TX XXXX XXXX multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX UNVERIFIED CHARGE-OFF ACCOUNTS MUST BE DELETED The following accounts are being reported as charged off yet lack all required documentation including signed contracts, billing histories, and IRS compliance ( e.g. , 1099-C ) : Creditor Account # Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off with {$410.00} balance no billing records, no validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No signed agreement , reporting inconsistencies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} charge-off with no verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No original contract, possible duplication XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$630.00} charge-off, appears three times under different names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IRS misclassification likely must be removed TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicate of XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} charge-off reported without proper notice or validation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} charge-off no contract, billing, or 1099-C issued XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off without consumer signature or validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No validation, appears falsely duplicated XXXX XXXX XXXX XXXX XXXX Charge-off reported with missing creditor details IRS Notice : Per IRS Publication 4681, charged-off debts over {$600.00} must be reported as canceled using Form 1099-C and are no longer collectible or reportable as open liabilities. Misreporting is deceptive. 
UNVERIFIED LATE PAYMENTS Creditor Account # Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} balance late payment reported without proof of delinquency XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$29000.00} No billing history, contract, or late payment breakdown FCRA 1681i requires these tradelines be fully validated or deleted if any component of the payment history can not be substantiated. 
INVALID COLLECTION ACCOUNTS Collection Agency Account # Issue XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / # XXXXXXXX XXXX XXXX XXXX  Duplicate agency listings {$770.00} and {$340.00} No validation or assignment documentation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$920.00} No proof of debt ownership XXXX XXXX XXXX # XXXXXXXX XXXX {$500.00} No validation per FDCPA 809 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} No chain of title provided XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} Incomplete furnisher detail and source XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$760.00} Requires deletion without full validation and origin info XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( appears 3 times ) Duplicate entries likely purchased debt without proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} No consumer agreement, validation, or communication trail FDCPA 809 ( a ) and FCRA 1681s-2 ( b ) require the bureaus and furnishers to provide complete proof of assignment, debt details, and notice. Without this, all these entries must be removed.

UNAUTHORIZED / DUPLICATE HARD INQUIRIES You are reporting dozens of hard inquiries, many of which : Occurred on the same dates ( auto dealership overpulling ) Are duplicated Show no consumer authorization These violate FCRA 1681b ( a ). Remove all that can not be verified by signed application : Examples include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and many more from XXXX XXXX and XX/XX/XXXX Unless you can produce written, time-stamped, and signed applications, you must remove all inquiries listed above. 
DEMAND FOR ACTION WITHIN 10 DAYS Under FCRA, you must : 1. Delete all inaccurate addresses listed above 2. Delete all unverified charge-offs and collections 3. Delete all unauthorized or duplicated hard inquiries 4. Provide a written response to each disputed item 5. Send a free updated credit report, per FCRA 1681i ( a ) ( 6 ) FINAL WARNING BEFORE ENFORCEMENT ACTION If these items are not removed or validated within 10 calendar days, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit violation reports to the Federal Trade Commission ( FTC ) Notify the Texas Attorney Generals Office Initiate a civil lawsuit for damages, costs, and punitive relief under FCRA 1681n & 1681o You may not ignore, stall, or reject this dispute based on authorship or third-party preparation. Doing so is an additional violation. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief