Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as a second formal dispute and request for reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ]. Despite my initial request, you have failed to properly verify, investigate, or remove the inaccurate and unverifiable information damaging my credit profile.

Below is a list of inaccurate personal addresses, a misreported account, and questionable inquiries still appearing on my credit file. These are impacting my creditworthiness and financial opportunities, and your continued reporting without full verification violates federal consumer protection laws. 
Incorrect or Outdated Addresses to Remove These addresses are either outdated or do not belong to me. Under FCRA 605 ( a ), unverifiable or inaccurate personal information must be removed : 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 XXXXXX/XX/XXXX High Balance : {$20000.00} Issue : Late payments are being reported inaccurately, despite a payment arrangement/hardship assistance. No proper notice was provided prior to reporting negative remarks. 
Violations : o FCRA 607 ( b ) : Failure to report maximum possible accuracy o FCRA 611 ( a ) ( 1 ) ( A ) : Lack of reinvestigation o FCRA 623 ( a ) ( 8 ) : Failure to respond to consumer dispute Action Requested : Provide full validation of the late payments, or delete the derogatory information from my file.

Unverified Inquiries Under FCRA 604, credit bureaus may only list inquiries if there was a permissible purpose and consumer consent. The following inquiries were not authorized and may be damaging my score unnecessarily : 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  Please verify the permissible purpose and authorization for each. If you can not provide proof, these inquiries must be removed immediately. 
Requested Actions XXXX. Remove all listed addresses that are inaccurate or unverifiable. 
XXXX. Reinvestigate the XXXX XXXX account and provide documentation of payment history and communication. 
XXXX. Delete the account if it can not be verified within the XXXX window under FCRA 611 ( a ). 
XXXX. Investigate each hard inquiry, and remove any that were not initiated or authorized by me. 
XXXX. Send me a detailed response including the method of verification, names and contact details of data furnishers, and an updated credit report. 
Please consider this a final attempt to resolve these inaccuracies amicably. If these issues are not corrected within the legally allotted time, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal action to enforce my rights. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief