Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I am filing this formal dispute because the following accounts and personal identifiers are inaccurate, unverifiable, and reported in reckless disregard of my rights. 

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and Metro 2 compliance standards, you are legally required to ensure maximum possible accuracy. Because of the massive Equifax Data Breach, the integrity and chain of custody of my personal information has been destroyed. That means you can not lawfully rely on corrupted or compromised data to damage my credit profile. 

I demand immediate and permanent DELETION of the following items from my consumer reports : DISPUTED ACCOUNTS XXXX  XXXX XXXX Willfully inaccurate, unverifiable, and illegally reported. Equifaxs breach destroyed the chain of custody of my personal information, making this account unfit for reporting. Continuing to report after prior disputes violates FCRA 1681e ( b ), 1681i, and Metro 2. DELETE immediately. 

XXXX XXXX XXXX Contradictory balances, inconsistent dates, and unverifiable data prove you can not ensure maximum possible accuracy. Continued reporting after prior disputes is willful noncompliance. DELETE immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX This account is disputed and unverifiable. Collection activity continues despite dispute, violating 15 U.S.C. 1692g ( b ). DELETE immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Account is disputed. Collection calls continue in violation of 15 U.S.C. 1692g ( b ). DELETE immediately. 

XXXX XXXX XXXX XXXX XXXX  Account is disputed. Collections continue illegally under 15 U.S.C. 1692g ( b ). DELETE immediately. 
XXXX XXXX XXXX * * Account is disputed. Continued collection activity is unlawful. DELETE immediately. 
XXXX XXXXXXXX XXXX XXXX  Account is disputed. Collections continue in violation of 15 U.S.C. 1692g ( b ). DELETE immediately. 
XXXX XXXX XXXX XXXX  Account is disputed. Continued collection activity violates federal law. DELETE immediately. 
XXXX XXXXXXXX XXXX XXXX Account is disputed. Collections have not ceased per 15 U.S.C. 1692g ( b ). DELETE immediately. 
XXXX  XXXX * * Account is disputed. Collection calls continue illegally. DELETE immediately. 
XXXX XXXX XXXX * * Account is disputed. Reporting and collection activity violate 15 U.S.C. 1692g ( b ). DELETE immediately. 
XXXX  XXXXXXXX XXXX XXXX Account is disputed. Collections continue unlawfully. DELETE immediately. 
XXXX XXXXXXXX XXXX XXXX  Account is disputed. Collection calls persist, violating federal law. DELETE immediately. 
XXXX XXXX XXXX XXXX * * Account is disputed. Continued collection calls are unlawful. DELETE immediately. 
XXXXXXXX XXXX XXXX XXXX  Account is disputed. Collections have not ceased as required. DELETE immediately. 
XXXX XXXX XXXX XXXX  Account is disputed and unverifiable. DELETE immediately. 

PERSONAL IDENTIFIERS ( INACCURATE / UNVERIFIABLE ) Incorrect Address XXXX XXXX XXXX XXXX XXXX, MO XXXX / XXXX Not my current address and never has been. DELETE permanently. 
Incorrect Address XXXX XXXX XXXX, XXXX XXXX, MO XXXX Incorrect and unverifiable. DELETE permanently. 
Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX / XXXX Not associated with me. DELETE permanently. 
Employer XXXX XXXX Reported in error, never authorized or verified. DELETE immediately. 

FINAL DEMAND Your refusal to properly verify, combined with the Equifax Data Breach, proves you can not certify the accuracy of the disputed accounts and identifiers. Continued reporting constitutes : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data 15 U.S.C. 1681n Willful noncompliance with the FCRA 15 U.S.C. 1681o Negligence in reinvestigating disputed information 15 U.S.C. 1681s-2 Furnishers reporting inaccurate data 15 U.S.C. 1692g ( b ) Failure to cease collections after dispute

Company response to consumer: Closed with explanation