Consumer complaint received 2025-06-05 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:
To Whom It May Concern, I am writing to file a formal complaint against the inaccurate and unverifiable information being reported by multiple data furnishers and credit bureaus ( Experian, TransUnion, and Equifax ) in violation of the Fair Credit Reporting Act ( FCRA ). Despite my prior disputes and requests for validation, these agencies and furnishers continue to report outdated, incorrect, and legally noncompliant information. I demand a thorough reinvestigation, deletion of unverifiable data, and compliance with federal law. 
INCORRECT ADDRESSES REPORTED ON MY CREDIT FILES These addresses do not belong to me and must be removed immediately per FCRA 602 ( a ), 607 ( b ), and 609 ( c ) ( 2 ) : 2110 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccurate addresses are contributing to mislinked accounts and possible identity confusion. 
ACCOUNTS WITH ERRORS / FCRA VIOLATIONS XXXX. XXXX Acct : XXXX Issue : Charge-off, reported inaccurately on multiple bureaus Violation : FCRA XXXX ( a ) ( XXXX ) ( A ), failure to update reporting Request : Full investigation and deletion if not verified XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payments reported with no notice Violation : FCRA 623 ( a ) ( 1 ), 623 ( b ) ( 1 ), inaccurate reporting Request : Verification or permanent removal XXXXXXXX XXXX XXXX XXXX XXXX : XXXX * Issue : XXXX separate accounts with consistent late reporting Violation : FCRA XXXX ( a ), failure to properly investigate disputes Request : Deletion if no supporting documents are provided XXXX. XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX * Issue : Late payments despite forbearance history Violation : FCRA XXXX ( a ), XXXX ( a ) ( XXXX ), inaccurate derogatory mark Request : Reinvestigate and correct XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Issue : Inconsistent payment history reported Violation : FCRA 607 ( b ), unverifiable negative data Request : Remove if not fully validated XXXX. XXXX Acct : XXXX Issue : Late payment markings despite no default Violation : FCRA 623 ( a ), 611 ( b ), disputed info unresolved Request : Permanent correction or deletion XXXXXXXX XXXX XXXX XXXX : XXXX Issue : Marked delinquent during active dispute Violation : FCRA XXXX ( a ) ( XXXX ), furnisher must note disputes Request : Remove or mark as disputed by consumer XXXX. XXXX XXXX XXXXXXXX Acct : XXXX Issue : Collection not properly validated Violation : FDCPA XXXX ( b ), failure to provide validation Request : Remove per FDCPA and FCRA compliance XXXX XXXX XXXX XXXX Acct : XXXX Issue : Duplicate reporting across agencies Violation : FCRA XXXX ( a ), inconsistent information Request : Remove if duplicative or inaccurate XXXX. XXXX XXXX XXXX Accts : XXXX ( multiple ) Issue : Multiple accounts with conflicting amounts and dates Violation : FCRA XXXX ( a ) ( XXXX ), data mismatch Request : Remove all entries unless verified and corrected XXXX. XXXX Acct : XXXX Issue : Marked collection during dispute window Violation : FCRA 623 ( a ) ( 3 ), 611 ( a ) ( 1 ) Request : Delete due to unresolved validation LAWS VIOLATED FCRA 602 ( a ) : Consumers have a right to fair and accurate credit reporting FCRA 607 ( b ) : Credit reporting agencies must follow reasonable procedures FCRA 611 ( a ) : Credit bureaus must conduct a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) - ( 5 ) : Data furnishers must report complete and accurate information FCRA 623 ( b ) : Furnishers must investigate disputes within 30 days FDCPA 809 ( b ) : Validation of debts by collectors is required when disputed RESOLUTION REQUESTED I respectfully request : 1. Deletion of all inaccurate addresses listed above 2. Full reinvestigation and, where unverified, removal of the accounts listed 3. Written confirmation of results within the time required by FCRA 4. Sanctions for non-compliance by the furnishers if necessary Thank you for your immediate attention to this matter. I am asserting my rights under federal law and expect a fair and legal resolution.

Company response to consumer: Closed with non-monetary relief