Consumer complaint received 2025-05-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX RE : FINAL NOTICE LEGAL DEMAND FOR DELETION OF FALSE ADDRESSES, UNVERIFIED NEGATIVE ITEMS & ILLEGALLY OBTAINED INQUIRIES To Whom It May Concern : This letter serves as a final warning and legal demand regarding the grossly inaccurate, unverified, and unauthorized information still appearing on my credit file. The information listed below is in direct violation of federal law, and your continued reporting without lawful documentation will be viewed as willful noncompliance and reckless disregard for my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other statutes. 
Unless you can provide complete legal proof supporting each entry, including original contracts, payment histories, and inquiry authorizations, you must immediately delete the following. 
INCORRECT ADDRESSES IMMEDIATE DELETION REQUIRED You are reporting addresses I have never lived at. This constitutes a dangerous misrepresentation of my identity and violates FCRA 1681e ( b ) and 1681c-2. Delete all of the following : XXXX XXXX XXXX ( and XXXX XXXX ), XXXX, TX XXXX XXXX XXXX, XXXX XXXX, LA XXXX, XXXX XXXX XXXX, XXXX, TX ( multiple units ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA These false addresses are a liability for fraud and mistaken identity. Remove them now. 
UNVERIFIED NEGATIVE ACCOUNTS LEGAL VIOLATION OF FCRA & FDCPA Your agency is reporting accounts without lawful verification, no chain of custody, and no consumer-permissible purpose : CHARGE-OFF ( Falsely Collectible ) : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX {$580.00} Violation : No original contract, no billing statement, no 1099-C. If charged off, this is no longer collectible and should be reported as canceled income per IRS Pub 4681. Continuing to show it as owed is deceptive reporting. 
COLLECTIONS ( No Validation, No Assignment ) : XXXXXXXX XXXX # XXXXXXXX XXXX  {$140.00} XXXX XXXX XXXX # XXXXXXXX XXXX Balance not reported Violation : Under FDCPA 809 ( a ) and FCRA 1681s-2 ( b ), you must provide : Name of original creditor Signed agreement Assignment trail ( chain of custody ) Validation notice within 5 days of reporting None of these have been produced. These accounts must be deleted immediately. 
DUPLICATED AND SPLIT STUDENT LOAN ACCOUNTS XXXX XXXX XXXX XXXX # XXXXXXXX XXXX ( Multiple entries ) o Dates : XXXX | Balances : {$3500.00} {$6000.00} Violation : These are potentially duplicated tradelines, which is a violation of Metro 2 reporting format. No documentation has been provided to prove these accounts are separate.

NOTICE : IRS & CHARGE-OFFS Any creditor that charged off more than {$600.00} must issue a Form 1099-C and report the debt as canceled income. According to IRS Publication 4681, once canceled, a debt can not legally be collected or shown as owed.

If you are reporting these as collectible without verifying whether a 1099-C was issued, you are in violation of FCRA 1681e ( b ) and potentially aiding in financial misrepresentation.

UNAUTHORIZED INQUIRIES PERMISSIBLE PURPOSE NOT MET The following hard inquiries were either : Not authorized by me Over-pulled by auto dealers Triggered without permissible purpose These violate FCRA 1681b ( a ) ( 3 ) and 1681c-2. Delete unless you can provide written, signed application proof : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( multiple ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( various ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX . 
There is no excuse for reporting inquiries en masse. Duplicate and trigger-pulled inquiries are known FCRA violations per CFPB guidance. 
DEMAND FOR ACTION WITHIN 10 DAYS You are hereby legally obligated to : 1. Delete all false and unverifiable addresses 2. Remove all unverified negative accounts and duplicative tradelines 3. Delete every unauthorized or over-pulled inquiry 4. Provide a detailed reinvestigation summary 5. Issue an updated credit report, free of charge, under FCRA 1681i ( a ) ( 6 ) LEGAL NOTICE & ESCALATION WARNING You have 10 calendar days to respond before I take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit violations to the Federal Trade Commission ( FTC ) Report your failure to the Texas Attorney Generals Office Begin a civil lawsuit under FCRA 1681n and 1681o for : o Statutory damages up to {$1000.00} per violation o Actual damages for harm caused o Punitive damages o Attorneys fees and court costs You are forbidden by law from dismissing or stalling this dispute based on formatting, language, or the use of third-party assistance. 
This is your final warning. I will not hesitate to escalate if compliance is not immediate and complete. 
Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief