Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Formal Request for Immediate Investigation and Deletion of All Debts Under FCRA, FDCPA, FACTA, CARES Act, and XXXX XXXX XXXX Dear Credit Reporting Agency, This letter serves as a formal dispute and request for the immediate deletion of all negative, inaccurate, outdated, unverifiable, or unauthorized information currently reported under my name and Social Security number. This includes but is not limited to installment loans, student loans, revolving credit, collection accounts, and credit inquiries. 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), the Fair and Accurate Credit Transactions Act ( FACTA ), the CARES Act, and federal student loan relief directives, I am invoking my full legal rights to : Dispute the validity of every debt listed Request debt validation Request removal of unverifiable, inaccurate, or noncompliant accounts Assert that reporting must cease if not verifiable within the statutory period ( 30 days ) STUDENT LOANS DELETION REQUEST PER FEDERAL RELIEF PROGRAMS Under the XXXX student loan forgiveness policies, many federal loans now qualify for deletion or adjustment, especially if : Loans are in deferment, XXXX XXXX, or Fresh Start Balances are inaccurate Reporting violates CARES Act protections Please delete all Dept. of Education and American Education Services accounts, including : Dept. of Ed # XXXX ( multiple accounts with balances and deferred status ) XXXX XXXX XXXX # XXXX COLLECTIONS REQUEST FOR DELETION UNDER FDCPA XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX ( XXXX Secure ) # XXXX XXXX XXXX XXXX ( XXXX ) # XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX These debts have not been properly validated and must be removed. 

INSTALLMENT & REVOLVING ACCOUNTS DELETION UNDER FCRA XXXX, XXXX XXXX XXXX # XXXX ( multiple late payments ) XXXX XXXX XXXX # XXXX ( multiple loans listed, including closed accounts ) XXXX XXXX XXXX XXXX # XXXX and XXXX ( charge-off, delinquent, closed ) XXXX # XXXX ( closed, charge-off ) Credit XXXX Bank # XXXX ( 99 % XXXX ) ChimeFin/Stride Bank # XXXX ( 440 % XXXX XXXX XXXX These accounts contain outdated, over-limit, or unverifiable data. 

INQUIRIES REMOVE UNAUTHORIZED OR EXCESSIVE HARD INQUIRIES I dispute and request the deletion of all listed hard inquiries, including those from : 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 are either excessive, outdated, unauthorized, or violate FCRA 604 ( b ) ( no permissible purpose ). 

LEGAL BASIS FOR THIS DISPUTE AND REMOVAL DEMAND FCRA 609 ( a ), 611, 623 Right to dispute inaccurate or unverifiable info FDCPA 809 ( b ) Right to request debt validation FACTA Protection from inaccurate credit reporting CARES Act Prohibition of negative reporting on deferred/forgiven loans CFPB & FTC Guidelines Reinforce my right to accurate, verifiable information If you can not provide written verification of these items within 30 days, you are required by law to remove them from my credit report. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
Please send me written confirmation and an updated credit report reflecting the deletions. 
Sincerely, XXXX XXXX XXXX XXXX : * -- XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief