Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am writing to formally escalate a continuing and unresolved dispute concerning multiple inaccuracies and erroneous data on my consumer credit report, in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) and the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ). Despite prior disputes submitted to the national credit reporting agencies, the disputed information persists, causing ongoing harm to my financial reputation and access to credit. 

First and foremost, I categorically dispute the repeated listing of several addresses which are entirely unfamiliar and incorrect, such as XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These addresses are not now, nor have ever been, associated with me. The continued inclusion of these addresses not only violates 15 U.S.C. XXXXe ( b ) regarding the maintenance of maximum possible accuracy, but also exposes me to increased risk of identity theft or mistaken association with accounts I do not recognize. 

Equally troubling is the misreporting of late payments on accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both of which are inaccurately reflecting negative payment history. In accordance with 15 U.S.C. XXXX, furnishers of information must ensure the accuracy and integrity of what they report. Despite my prior notification, no investigation or correction has been adequately performed. 

I also dispute the collections reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) which appear without validation or legitimate cause. These entries are in breach of 15 U.S.C. XXXXg, which requires debt collectors to provide verification of the debt upon request, a request I have previously submitted and remains unfulfilled. 

Moreover, there are multiple inquiries from entities including XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ), which I never authorized. These constitute unauthorized access to my consumer file, violating 15 U.S.C. XXXXb. The burden lies with the credit bureaus to restrict access to consumer files only for permissible purposes, which was clearly not observed in these instances. 

The perpetuation of these inaccuracies has materially harmed me by causing denials of credit, increased stress, and undue reputational damage. I have received no meaningful response from the bureaus, only dismissive stall letters that fail to fulfill their investigative duties under 15 U.S.C. XXXXi. Let it be clear that I do not accept third-party summaries or blanket rejections lacking detailed findings. 

As the harm continues unabated, I am preparing to escalate this matter to the Federal Trade Commission, my State Attorney Generals Office, and local consumer protection agencies. This letter serves as a formal XXXXday notice for compliance under 15 U.S.C. XXXXk. If no corrective action is taken within this period, I reserve the right to seek statutory damages and pursue legal remedies for willful and negligent noncompliance. 

Please consider this a final attempt to resolve these matters amicably. I expect deletion of all inaccurate addresses, removal or correction of the disputed tradelines, withdrawal of unauthorized inquiries, and written confirmation of these actions.

Company response to consumer: Closed with non-monetary relief