Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I am writing to formally contest any unverified or unsubstantiated information appearing on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and the established Metro 2 data field reporting standards. Allegations of delinquency or derogatory status must be supported by complete, verifiable evidence, as required by federal and state law.

I demand your full compliance with these laws and standards. If you are unable to provide tangible, verifiable proof of the accounts and their permissible use, you must delete them from my credit file. I authorize the mailing of updated credit reports and written confirmation of the actions taken. 

Personal Information Being Challenged : Incorrect Name : XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect Date of Birth : XXXX Employer : XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Please update my personal information to the following : Name : XXXX XXXX XXXX of Birth : XX/XX/year> SSN : XXXX Address : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX GA XXXX I do not wish to have any telephone numbers listed. 

Remove all other addresses, as they are inaccurate and undeliverable. 

Inquiries Being Challenged : I did not authorize anyone from the following companies to make inquiries on my credit report. This is a direct violation of FCRA 1681b ( c ) and a breach of my privacy. You must validate each inquiry by providing documentation bearing my signature. If no such documentation exists, delete these inquiries from my file immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The FCRA allows credit pulls only for a firm offer of credit, insurance, court order, or employment. I did not authorize any of the above. 

Accounts Being Challenged Under FCRA 609 ( a ) ( 1 ) ( A ) : You are required to verify all reported accounts through physical documentation bearing my signature. Without such proof, these accounts are unverifiable and must be deleted under the FCRA. I demand to see signed consumer contracts for the accounts listed below. If you can not produce them, delete the following immediately : XXXX XXXX * * * * XXXX XXXX * * * * XXXX XXXX * * * * XXXX XXXX * * * * XXXX XXXX * * * * XXXX XXXX * * * * XXXX XXXX * * * * XXXX XXXX * * * * XXXX XXXX * * * * 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections Being Challenged : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX All correspondence you receive under my name has been written either by me or by my authorized advisors with my full knowledge and consent. I am fully aware that the FCRA does not require me to provide a Power of Attorney to initiate or authorize these communications. You are not permitted to delay processing due to lack of such documentation. 

Your immediate attention to these matters is not a courtesyit 's a legal obligation.

Company response to consumer: Closed with non-monetary relief