Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate, Unverifiable, and Fraudulent Information Request for Immediate Deletion Pursuant to FCRA 604, 609 ( a ) ( 1 ), 611, 1681c-2, 1681s-2 ( b ) To Whom It May Concern : I am writing to formally dispute multiple items appearing on my credit report with XXXX. The following accounts and inquiries are either inaccurate, unverifiable, outdated, or fraudulent. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate and delete each of the following items within 30 days as required by FCRA 611.

1. Repossession Account XXXX XXXX  Account Name : XXXX XXXX Status : Closed Issue : Inaccurate, unverifiable, and potentially misreported FCRA Violations Cited : 609 ( a ) ( 1 ), 611, 1681s-2 ( b ), 1681e ( b ) I dispute the accuracy of this repossession and demand deletion unless XXXX can provide : A signed contract or loan agreement Proof of legal default and repossession Full payment history and balance validation Failure to provide these within 30 days constitutes a willful violation of federal law, requiring deletion under 611 ( a ) ( 5 ) ( A ).

2. Fraudulent Collection XXXX XXXX XXXX XXXX : {$650.00} Last Reported : XX/XX/XXXX Issue : Fraudulent and unauthorized ; not the original creditor FCRA Violations Cited : 604 ( a ), 609 ( a ) ( 1 ), 611, 1681s-2 ( a ) I never authorized my information to be released or sold to XXXX XXXX XXXX XXXX There is no original signed agreement, and no documentation proves this debt is valid. This is a third-party collection with no permissible purpose to report under 604 ( a ).

This item must be immediately removed under FCRA 611 due to its fraudulent nature and unverifiability.

3. Unauthorized Hard Inquiries The following inquiries were not authorized by me and violate FCRA 604. They must be removed under 604 and 611 : [ List preserved exactly as provided ] XXXX ( Hotel and Travel ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | XX/XX/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 XXXXXX/XX/XXXX None of these inquiries were initiated by me. Please remove them under FCRA 604 ( a ) ( 2 ) and 611.

4. Inaccurate Late Payments These late payments are either inaccurate or unverifiable and continue to damage my credit history despite accounts being closed : Auto Loans XXXX XXXX XXXX missed payments XXXX XXXX XXXX XXXX XXXX missed XXXX XXXX missed XXXX XXXX XXXX missed XXXX XXXX XXXX missed ( currently on-time ) XXXX XXXX missed Other Loans XXXX  XXXX missed XXXX XXXX missed XXXX XXXX missed These violations fall under FCRA 609 ( a ) ( 1 ) and 611, and all derogatory marks should be removed under 1681c-2.

5. Request for Deletion of Closed Accounts The following accounts are closed, no longer relevant, and no longer serve any permissible purpose under 604 ( a ) ( 3 ). Please remove them : 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 XXXX XXXX XXXX XXXX XXXX XXXX  Final Notice If these items are not corrected or deleted within 30 days, I will escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and may take legal action under FCRA 616 and 617 for willful noncompliance.

Please send me written confirmation and an updated copy of my credit report showing these deletions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief