Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Old Address and Pre-Arbitration Notice To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of an old address listed on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I have the right to request an investigation into the disputed information and have any inaccurate or unverifiable information removed. 
Details of Disputed Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
Reason for Dispute : The address is outdated, no longer valid, and connected to a negative collection that does not reflect accurate or current information. This connection is unjustifiable, as outdated addresses do not constitute relevant or permissible information under the FCRA. 
Legal Basis for Removal : 1. FCRA Compliance : o Under 15 U.S.C. 1681b ( a ), consumer reporting agencies are limited to collecting information that serves a legitimate purpose. Retaining outdated and irrelevant addresses tied to a negative collection account violates this provision. 
2. Obligation to Ensure Maximum Possible Accuracy : o According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. Outdated addresses do not meet this standard. 
3. Violation of My Rights : o Continuing to report this old address constitutes an act of negligence under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). 
I request that you investigate this matter promptly and delete the disputed address from my credit file. Failure to comply will leave me no choice but to escalate this matter to arbitration, as permitted under applicable laws.

Pre-Arbitration Notice : This letter serves as a formal pre-arbitration notice, as required under my rights as a consumer. Should you fail to remove the disputed address or provide sufficient justification for its continued reporting within 30 days, I will initiate arbitration proceedings against your company for violations of the FCRA and other applicable consumer protection laws. 
Arbitration Agreement : By maintaining your status as a consumer reporting agency, you agree to abide by applicable laws, including those governing arbitration. Please be advised that I reserve the right to seek the following remedies through arbitration : Removal of the disputed address.

Statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n. 
Recovery of all legal fees and costs incurred. 
Requested Action : 1. Remove the disputed address from my credit file immediately. 
2. Provide written confirmation that the address has been removed.

3. Provide a copy of my updated credit report reflecting these changes.

If you believe additional information is needed to resolve this matter, please contact me in writing at the address listed above. Failure to act within the prescribed timeframe will confirm your noncompliance and force me to proceed with arbitration and/or legal action. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief