Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Credit Reporting Agency, I am writing to formally dispute and request the immediate removal of inaccurate and unverified information listed on my credit report under my former name, XXXX XXXX XXXX. My legal name is now XXXX XXXX XXXX, changed in 2023. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), I am exercising my right to request verification of all negative and derogatory information reported under my credit file. Specifically, I am requesting proper validation, including documentation bearing my original signature, for the following : Negative balances Credit card debts Accounts in collections Hard inquiries Any other negative or derogatory reports I have repeatedly requested verification letters and supporting documentation from the original creditors and collectors. To date, no entity has provided legally sufficient documentation, including contracts or agreements bearing my signature. According to the FCRA, if the credit reporting agencies and data furnishers can not verify an item, it must be removed from my report. 

Furthermore, please note that I do not reside at any of the addresses currently listed on my credit file. Please update my record to reflect only my current and accurate address listed above.

Legal Violations Failure to verify or remove this inaccurate information constitutes a direct violation of : FCRA 1681i ( a ) ( 1 ) ( A ) : Re-investigation of disputed information FCRA 1681e ( b ) : Requirement to maintain reasonable procedures to assure maximum possible accuracy FCRA 1681b : Permissible purposes for furnishing consumer reports ( unauthorized hard inquiries ) These items are causing significant and unjust damage to my creditworthiness, and their continued reporting without proper verification is both inaccurate and unlawful.Therefore, I am formally demanding the immediate removal of all unverifiable and inaccurate items from my credit report, including but not limited to : All negative balances Collections accounts Charge-offs Hard inquiries Any derogatory information not supported by verified, signed agreements.

I expect written confirmation of deletion within 30 calendar days from the receipt of this letter, as required under the law. 

Please send all correspondence regarding this matter to the mailing address provided above. 
Requested Action : Remove all unverified accounts, negative balances, collections, and inquiries Delete any and all addresses that are not my current residence Confirm these removals in writing within 30 days as required by law Please consider this letter as a formal dispute under the FCRA. Should these items not be addressed and removed within the required time frame, I will not hesitate to pursue further legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation