Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as my 4th formal written dispute regarding serious and unresolved inaccuracies in my credit report. Despite multiple attempts to have these errors corrected, the inaccurate and unverifiable information listed below continues to appear on my credit profile, in clear violation of the Fair Credit Reporting Act ( FCRA ).

Under FCRA 611, you are required to conduct a reasonable and timely reinvestigation of any disputed item. If an item can not be fully verified by original documentation from the furnisher, it must be deleted from the credit report. Continued reporting of unverifiable or incorrect data may also place your bureau and the furnisher in violation of FCRA 623, which prohibits the reporting of inaccurate information knowingly or without proper investigation.

ITEMS THAT MUST BE DELETED OR CORRECTED IMMEDIATELY INCORRECT ADDRESSES ( Mixed File or Fraud Risk ) Please remove the following addresses, which are not associated with me, and contribute to a potential file merge or identity confusion : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX These addresses do not belong to me and are likely the result of inaccurate file association, a violation of FCRA 605 ( b ). Continued presence of these addresses after multiple disputes is unacceptable and may justify filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

UNVERIFIED OR ERRONEOUS ACCOUNTS XXXX  XXXX XXXX Acct # : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge-Off This account has been disputed multiple times. No documentation has been provided. If it can not be verified with a signed contract or billing statements from the original creditor, it must be deleted immediately per FCRA 609 ( a ) ( XXXX ). 

XXXX XXXX XXXX Acct # : XXXX * * Original Creditor : XXXX  XXXX XXXX XXXX : {$3400.00} Date Opened : XX/XX/XXXX Status : Collection This is a third-party debt collector entry, and I have received no validation of this debt under 15 U.S. Code 1692g ( b ). Without proper verification or contractual documentation showing I owe this debt, you are required to delete this from my report. 

FINAL NOTICE BEFORE ESCALATION Please consider this a final good faith effort to resolve these matters. I am preparing to file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office And, if necessary, I will consider seeking legal counsel for violations under FCRA and FDCPA statutes.

You have 30 calendar days from the receipt of this letter to complete your reinvestigation and notify me in writing of the outcome. If these inaccuracies are not removed or verified with documentation, I will proceed accordingly.

Company response to consumer: Closed with non-monetary relief