Consumer complaint received 2025-08-29 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Data Breach Reference Number XXXX / Formal Demand for Deletion of Negative Accounts and Collections Under the FCRA To Whom It May Concern, I am writing regarding the Equifax XXXXXXXX XXXX under which my information was compromised. My assigned reference number is XXXX. Because of this breach, my credit file contains inaccurate, fraudulent, and unverified information that I dispute in its entirety. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I demand that Equifax immediately investigate and remove all the following negative accounts and collections, as well as outdated addresses, that do not accurately reflect my credit history. 

Negative Accounts to Be Removed : XXXX XXXX XXXX XXXX Account # : XXXX Status : Repossession ( Closed ) Date Opened : XX/XX/XXXX Balance : {$10000.00} Address : XXXX XXXX XXXX, XXXX XXXX MI XXXX | ( XXXX ) XXXX XXXX. XXXX XXXXXXXX XXXX Account # : XXXX Status : Charge-off ( Closed ) Date Opened : XX/XX/XXXX Balance : {$620.00} Address : XXXX XXXX XXXX, XXXX XXXX XXXX AL XXXX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX Account # : XXXX Status : Charge-off ( Closed ) Date Opened : XX/XX/XXXX Balance : {$27000.00} Address : XXXX XXXX XXXX, XXXX, TN XXXX | ( XXXX ) XXXX XXXX. XXXX XXXX Account # : XXXX Status : Charge-off ( Closed ) Date Opened : XX/XX/XXXX Balance : {$950.00} Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, TX XXXX | ( XXXX ) XXXX -- - Collections to Be Removed : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX / XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX | ( XXXX ) XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX | ( XXXX ) XXXX XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Address : [ Not Provided ] -- - Outdated / Inaccurate Addresses to Be Deleted : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX Tall XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX -- - Enclosed are copies of my government-issued ID, Social Security card XXXX and proof of current address for verification. 

Under the FCRA, you are required to complete this investigation within 30 days. If these items can not be verified as accurate and legally reportable, they must be deleted immediately. 

I expect written confirmation of these deletions once your investigation is complete. Failure to comply will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other applicable regulatory agencies. 

Thank you for your immediate attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief