Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverifiable Accounts Immediate Deletion Requested Under FCRA To Whom It May Concern, This letter is a formal notice that I am disputing the accuracy and validity of the following accounts listed on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611. The information being reported is inaccurate, misleading, and unverifiable, and therefore must be immediately deleted from my credit file.

The account ( s ) in question : Creditor Name : XXXX XXXX  Account Number : [ XXXX ] Reason for Dispute : [ Not authorized ] Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason for Dispute : [ Not authorized ] Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Reason for Dispute : [ Never late ] Creditor Name : XXXXXXXX XXXX Account Number : [ XXXX ] Reason for Dispute : [ Not mine ] Creditor Name : XXXX XXXX Account Number : [ XXXX ] Reason for Dispute : [ Not mine ] Creditor Name : XXXX XXXX  Account Number : [ XXXX ] Reason for Dispute : [ Not mine ] Creditor Name : XXXXXXXX XXXX Account Number : [ XXXX ] Reason for Dispute : [ Not mine ] Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Reason for Dispute : [ Not authorized ] Creditor Name : XXXXXXXX XXXX  Account Number : [ XXXX ] Reason for Dispute : [ Not authorized ] Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Reason for Dispute : [ Not mine ] Creditor Name XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason for Dispute : [ Not mine ] Creditor Name : XXXXXXXX XXXX Account Number : [ XXXX ] Reason for Dispute : [ Not mine ] Creditor Name : XXXX XXXX Account Number : [ XXXX ] Reason for Dispute : [ Not mine ] Creditor Name : XXXX XXXX Account Number : [ XXXX ] Reason for Dispute : [ Not authorized ] Under federal law, you are required to verify the accuracy of any information you report. If you can not provide proper documentation confirming the complete validity of the account ( s ), including an original signed contract and detailed payment history, you are legally obligated to remove the account ( s ) from my report within 30 days of receipt of this letter.

Be advised : You must provide the results of your reinvestigation in writing, per FCRA 611 ( 15 U.S.C. 1681i ).

If you fail to delete the account ( s ) or continue to report unverifiable information, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

I am prepared to pursue civil action under FCRA 616 and 617 for willful noncompliance, which carries statutory damages of up to {$1000.00} per violation.

This letter serves as your final opportunity to correct your reporting in accordance with federal law. I demand written confirmation that the disputed account ( s ) have been removed or corrected. 
Sincerely, [ XXXX XXXX ] Social Security Number ( last XXXX digits ) : XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief