Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter is a formal dispute against Experian, Transunion, Equifax for reporting inaccurate, incomplete, and unauthorized information on my consumer file. I am requesting an immediate investigation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being.

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information.

Experian, Transunion, Equifax is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights.

Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.

Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer DISPUTED ACCOUNTS Charge-Off / Negative Accounts XXXX Account Number:XXXX XXXX XXXX Account Number:XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information.

Action Requested : DELETE FROM CREDIT REPORT. 

XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX No written agreement exists. I never signed or participated in any contract with this furnisher. 
Action Requested : DELETE FROM CREDIT REPORT. 
UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX XXXX XX/XX/XXXX DELETE These inquiries were not authorized and violate FCRA 1681b.

FINAL DEMANDS Provide written verification procedures for each disputed account.

Delete or block all inaccurate, unauthorized, or unverifiable information.

Send me an updated corrected credit report.

Cease all further unauthorized reporting in violation of federal law.

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617. 
Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation