Consumer complaint received 2025-07-01 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 XXXX, Florida XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Formal Demand for Immediate Investigation and Deletion of Inaccurate, Unverifiable, and Fraudulent Information Pursuant to FCRA 601625 Dear [ Credit Bureau Name ], I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding that you immediately investigate and permanently remove the following inaccurate, unverifiable, and fraudulent information from my credit report. 



I. LEGAL BASIS 602 [ 15 U.S.C. 1681 ] Congress requires consumer reporting to be fair and accurate.

603 [ 15 U.S.C. 1681a ] I am a consumer entitled to protection.

604 [ 15 U.S.C. 1681b ] Reports must only be issued for a permissible purpose ; these inquiries violate that.

605 [ 15 U.S.C. 1681c ] Outdated or inaccurate data must be excluded.

605A & 605B [ 15 U.S.C. 1681c-1 & 1681c-2 ] I demand blocking of all fraudulent items and identity theft impacts.

607 [ 15 U.S.C. 1681e ] You must maintain procedures to ensure maximum possible accuracy.

609 [ 15 U.S.C. 1681g ] I am entitled to full disclosure of any information in my file.

611 [ 15 U.S.C. 1681i ] You must reinvestigate any disputed information within 30 days.

623 [ 15 U.S.C. 1681s-2 ] Furnishers may only report accurate, verifiable information.

616 & 617 [ 15 U.S.C. 1681n & 1681o ] You are subject to civil liability for willful or negligent noncompliance. 



XXXX. ITEMS TO DELETE IMMEDIATELY XXXX. Late Payments Inaccurate/Unverifiable XXXX XXXX Currently late ; XXXX missed payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX missed payments XXXX XXXX XXXX Currently late ; XXXX missed payments XXXX XXXX Currently late ; XXXX missed payments XXXX XXXX XXXX Currently late ; XXXX missed payments XXXX XXXX Closed ; XXXX missed payments XXXX XXXX XXXX  XXXX Closed ; XXXX missed payment XXXX XXXX Currently on-time ; XXXX missed payment ( incorrect ) These payment histories are inaccurate and unverifiable under 605 & 623. 



XXXX. Fraudulent Hard Inquiries No Permissible Purpose I never authorized the following hard inquiries they violate 604 : Creditor Date XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXe XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Under 605A and 605B, block these inquiries immediately. 



XXXX. Fraudulent Collection XXXX XXXX XXXX Balance {$650.00} ( Last Reported : XX/XX/XXXX ) This is not an original creditor. This account is fraudulent and must be deleted per 605B & 623. 



XXXX. Repossession Inaccurate/Unverifiable XXXX XXXX  Original Balance : {$30000.00} Currently Reporting : {$11000.00} Last Reported : XX/XX/XXXX This balance is inaccurate and misleading. Remove under 605, 611, & 623. 



XXXX. DEMAND FOR IMMEDIATE REMEDY I demand that you : XXXX. Delete all inaccurate, unverifiable, and fraudulent accounts immediately. 
XXXX. Provide me copies of all documentation used to verify these items, as required under 609. 
XXXX. Complete your reinvestigation within XXXX days, as required by 611. 
XXXX. Provide me with an updated credit report showing these deletions. 

If you fail to comply, I am prepared to pursue all available remedies, including civil action under 616 & 617. 



Thank you for your prompt compliance with my lawful dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation