Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX [ Insert Date ] To : Experian, Equifax, and TransUnion Subject : FORMAL DISPUTE AND DEMAND FOR IMMEDIATE DELETION OF UNAUTHORIZED ADDRESS DATA AND ALL ASSOCIATED NEGATIVE ACCOUNTS Per FCRA, FDCPA, the SHAM Act, and due to confirmed data breaches compromising my identity To Whom It May Concern, This is a formal dispute letter, pursuant to 15 U.S. Code 1681i, 1681e ( b ), 1681s-2, and the SHAM Act ( Safeguarding Against Fraud, Manipulation, and Misrepresentation in Credit Reporting ), demanding the immediate removal of all inaccurate addresses and any negative tradelines or inquiries linked to them from my credit reports. 

My only verified residential address is : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX The following addresses are fraudulent, unauthorized, or incorrectly associated with my profile and must be removed immediately : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have never resided at, received mail from, or conducted financial transactions using the above addresses. They appear to be the result of mixed files, data pollution, or identity fraud, likely exacerbated by the well-documented data breaches at each of your agencies. 
EXPOSURE DUE TO DATA BREACHES Your systems have already demonstrated a lack of safeguards : Equifax 2017 breach exposed the personal data of over 147 million Americans.

Experian 2020 breach affected millions of XXXX customers and led to identity theft.

TransUnion 2022 breach leaked credit profiles, Social Security numbers, and address history.

Due to these breaches, my personally identifiable information ( PII ) may have been compromised and is likely responsible for unauthorized data being tied to my credit profile. 

As such, you are now on notice that any inaction on your part to immediately remove these false addresses and accounts constitutes gross negligence and a violation of consumer privacy law. 
VIOLATIONS YOU ARE COMMITTING 1. Failure to Maintain Maximum Accuracy FCRA 1681e ( b ) You are required to report only verified and accurate information. Retaining fraudulent addresses and associating them with my credit history violates this statute.


2. Failure to Reinvestigate and Delete Inaccurate Information FCRA 1681i You are legally required to investigate disputes within 30 days and correct or delete any inaccurate or unverifiable information.

3. Misrepresentation and Recklessness SHAM Act Continuing to report unverifiable data or addresses after a dispute constitutes man
ipulation of my credit profile. This directly violates the SHAM Act provisions against fraudulent, manipulated, and unverified reporting.

4. Association of Negative Tradelines with False Identifiers Any account, collection, or inquiry linked to these fraudulent addresses is automatically invalid. These must be deleted in full not just updated or marked as disputed. 

WHAT I DEMAND IMMEDIATELY Permanent deletion of the following fraudulent addresses : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX Full deletion of all negative accounts, inquiries, and collections associated with those addresses A written confirmation of the deletions within XXXX calendar days Immediate cease of reporting or attaching any future data to my profile that does not match my sole address : XXXX XXXX  XXXX XXXX  XXXX, FL XXXX XXXX LIABILITY WARNING Should you fail to comply with this request : I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) I will report these violations to the Office of the Attorney General and Office for Civil Rights I am prepared to pursue legal action under : 15 U.S. Code 1681n ( willful noncompliance ) 15 U.S. Code 1681o ( negligent noncompliance ) SHAM Act for misrepresentation and credit manipulation State-level consumer protection statutes This is your final notice. All unverifiable, inaccurate, and breached data must be removed to protect my legal rights and creditworthiness. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation