Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Inaccurate Information Pursuant to FCRA Immediate Deletion Requested I am writing to formally dispute and demand the immediate deletion of the inaccurate and unverifiable accounts listed below from my credit report. I have previously submitted multiple disputes regarding these errors with no sufficient follow-up, resolution, or reinvestigation, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate information and receive a timely reinvestigation. 
604 ( 15 U.S.C. 1681b ) : Limits on permissible purpose for pulling credit reports ( relevant to unauthorized hard inquiries ).

623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of data furnishers to report accurate and complete information. 
I demand a full deletion of the accounts and inquiries below from my credit report immediately due to the following reasons : 1. Unauthorized/Inaccurate Hard Inquiries Remove Immediately These inquiries were not authorized by me and were made without a permissible purpose under FCRA 604 . I never gave written consent nor initiated any business transaction with the following entities : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Multiple inquiries : XXXX, XXXX, XXXX ( only XXXX permissible if any ) XXXX XXXX XXXX XXXX Multiple inquiries : XXXX, XXXX These repeated inquiries are harming my score and are an invasion of privacy. Remove them immediately.

2. Accounts with Inaccurate, Misleading, or Unverifiable Data XXXX {$34000.00} Account # : XXXX Status is listed as Charged Off with no payments ever reported late. This is factually inconsistent and misleading. There is no basis to report a charge-off with {$0.00} past due and {$0.00} payment amount. This must be deleted for failure to report accurately under FCRA 623.

XXXX XXXX  {$0.00} Account # : XXXX Account shows " Payment after charge off '' with no late payments ever reported, and {$0.00} past due. This is contradictory and misleading. Remove immediately. 
XXXX XXXX {$3300.00} Account # : XXXX Charged off with a high balance higher than the original credit limit. No missed payments reported. This is inaccurate and in violation of FCRA 623. Delete immediately. 
XXXX XXXX  {$0.00} Account # : XXXX This account is closed and paid but is still marked negative. This is not accurate or complete under FCRA. Delete or update as Paid never late immediately. 
XXXX XXXX {$1600.00} Account # : XXXX Collection account with no evidence of proper validation. Removed from Experian and TransUnion. Due to failure of verification. Original creditor is listed as XXXX XXXX XXXX XXXX, who has no confirmed documentation for this transfer. This must be removed immediately due to lack of verifiable documentation. 
XXXX  XXXX {$0.00} Account # : XXXX Account shows XXXX late payment but also reflects a {$0.00} balance and closure. The account is paid. Continued negative reporting on a {$0.00} closed account is inaccurate and misleading. Remove immediately. 
XXXX XXXX XXXX {$26000.00} Account # : XXXX This account is still reporting as open but shows a high balance with a history of XXXX XXXX lates and {$0.00} past due. If this account was settled, closed, or paid, it must be updated to reflect that. If not verified, delete immediately. 
XXXX XXXX XXXX  XXXX {$240.00} Account # : XXXX XXXX XXXX lates are being reported, but account is current and open. Inconsistent reporting damages my score. Verify or delete. 

Demand for Immediate Action I demand : Immediate deletion of all inaccurate, unverifiable, or unauthorized items as listed above. 
A full reinvestigation in accordance with FCRA 611.

Written confirmation of deletions or updates within 30 days as required by law.

Should you fail to comply, I will pursue further legal remedies including complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, and I will consult legal counsel to consider civil action under FCRA 616 & 617 for willful or negligent noncompliance.

This is my final notice. You have 30 days to remove or correct these items and provide documentation of the investigations. I expect full compliance.

Company response to consumer: Closed with non-monetary relief