Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I am writing with urgency and conviction to dispute several inaccurate and unlawfully reported entries currently polluting my consumer credit file. Pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ), I demand the immediate deletion of specific derogatory accounts, unauthorized inquiries, and falsely attributed personal address data. These entries are not only factually incorrect, but their presence has directly and repeatedly harmed mefinancially, emotionally, and professionally.

Over the past year, I have been systematically turned down for basic lines of credit, including emergency medical financing and a vehicle loan needed for work transportation. Each rejection letter has referenced my credit file, which upon inspection, includes addresses and account data that have no connection to my lawful identity or financial history. I have never resided at or been associated with the following addresses, among others : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. The listing of these false addresses is an egregious failure to ensure the accuracy of reported data, in violation of 15 U.S.C. 1681e ( b ).

Further compounding this injury are several tradelines listed as charge-offs or collections that I categorically dispute : XXXX XXXX XXXX XXXX Acct # : ending in XXXX, opened XX/XX/XXXX, High Balance : {$15000.00} ) XXXX  XXXX  XXXX XXXX ( Acct # : ending in XXXX, opened XX/XX/XXXX, High Balance : {$790.00} ) XXXX XXXX Acct # : ending in XXXX, opened XX/XX/XXXX ), listed twice XXXX XXXX XXXX XXXX Acct # : ending in XXXX and another ending in XXXX ) XXXX XXXX XXXX XXXX Acct # : ending in XXXX, opened XX/XX/XXXX ) XXXX XXXX ( Acct # : ending in XXXX, opened XX/XX/XXXX ) These accounts are reported as charge-offs, yet to date I have not received any corresponding IRS Form 1099-C as required under IRS Publication 4681. If such documentation exists, it indicates the debt has been canceled and must not be reported. If it does not exist, the reporting itself is baseless and unlawful. Either way, continued reporting violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and invites legal scrutiny.

In addition, the following inquiries have been listed on my report without my knowledge or permissible purpose, constituting unauthorized access to my credit file : XXXX XXXX  XXXX on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX  on XX/XX/XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX Under FCRA 1681b, consumer reporting agencies may only furnish reports for specific, legally permissible purposes. Any inquiry made without such purpose is a violation of federal law. I demand that these unauthorized inquiries be immediately removed and that your agency investigate the parties who accessed my file without my consent.

Let me be clear : this misreporting has upended my life. I have endured sleepless nights, strained family relations, and the humiliation of explaining denials to landlords, employers, and lenders. This is not simply about numbers on a reportthis is about my livelihood, my stability, and my dignity.

I demand that these accounts, unauthorized inquiries, and false addresses be permanently deletednot corrected, but deletedfrom my consumer file. I am invoking my rights under : FCRA 1681e ( b ) ( accuracy in reporting ) FCRA 1681b ( permissible purpose ) FDCPA 1692g ( a ) ( validation of debts ) FDCPA 1692c ( ceasing communication ) FDCPA 1692d ( 2 ) ( harassment ) FDCPA 1692b ( 2 ) ( third-party disclosure ) Under 15 U.S.C. 1692k, you are on notice of civil liability and must respond within 10 days. Willful noncompliance will be pursued under FCRA 1681n, including statutory damages, attorney fees, and punitive remedies.

Do not send generic stall letters. Per FCRA regulations, each dispute must be addressed individually and based on its merits. Any attempt to delay processing based on assumptions about third-party assistance will be considered a willful violation under 15 U.S.C. 1681n.

I AM FAMILIAR WITH THE LAW & I KNOW IT IS IN MY RIGHT TO HAVE 3RD PARTY SOFTWARE HELP WRITE MY DISPUTES

Company response to consumer: Closed with non-monetary relief