Consumer complaint received 2025-05-19 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: LA

Complaint narrative:
To Whom It May Concern, This is now my eleventh written notice disputing multiple inaccurate and unverifiable items on my credit report. Despite my repeated efforts and your legal obligations under the Fair Credit Reporting Act ( FCRA ), these derogatory and harmful entries remain unresolved. You are reminded that you are legally required to maintain accurate, verifiable, and current information under FCRA 607 ( b ), and to reinvestigate disputed items in a timely and reasonable manner under FCRA 611 ( a ).

Due to the failure to adequately resolve these disputes, I am now formally escalating my complaint and requesting the immediate deletion of the following accounts, inquiries, and incorrect addresses. Continued negligence on your part may result in complaints being filed with the CFPB, FTC, and my State Attorney General, as well as consideration of legal action under FCRA 616 and 617 for damages resulting from willful or negligent noncompliance. 
DISPUTED ACCOUNTS ( Unverified or Inaccurate ) : 1. XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o Issue : Late Payment o Action : Please provide full verification or remove this account immediately. 
2. XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o Issue : Late Payment o Action : This account is outdated and inaccurate. Verify or delete. 
3. DEPT OF EDUCATIONXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX o Issue : Late Payment o Action : No verification documents provided to date. Remove from file. 
4. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o Issue : Late Payment o Action : Disputed as unverifiable and erroneous. Request removal. 
5. DEPT OF EDUCATIONXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o Issue : Late Payment o Action : Too old to report. Remove under FCRA 605 ( a ). 
6. XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o Issue : Charge Off o Action : No proof of debt provided. Remove immediately. 
7. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o Issue : Late Payment o Action : Disputed as inaccurate and potentially duplicated. 
If you can not provide complete verification documents ( including original signed contracts, payment history, and statements ), these accounts must be deleted as required by FCRA 611 ( a ) ( 5 ) ( A ).

UNAUTHORIZED CREDIT INQUIRIES ( No Permissible Purpose ) : I am also disputing the following inquiries as unauthorized and in violation of FCRA 604 ( a ), which restricts access to a consumers credit file without proper purpose or consent : 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 XXXXXX/XX/XXXX You are required to provide written documentation showing that each of these entities had proper authorization and a valid reason for accessing my credit file. If no such documentation exists, these inquiries must be removed immediately. 
INCORRECT ADDRESSES ( Not Associated with Me ) : I have never lived at nor authorized the use of the following addresses. Their presence on my credit file is misleading and could lead to data merging or identity confusion. 
XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX Under FCRA 607 ( b ), you are responsible for ensuring only accurate personal identifying information appears on my file. Please remove these addresses and confirm deletion in writing.

FINAL NOTICE You have had ample time and notification to correct these issues. If my report is not updated within 15 days of this notice, I will not hesitate to escalate this matter through formal complaints and potential legal action. I expect a written response detailing the outcome of each dispute item.

Company response to consumer: Closed with non-monetary relief