Consumer complaint received 2025-09-24 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 to notify you that you are reporting inaccurate and incomplete information in my credit report as identified below. I demand an immediate investigation to resolve these inaccuracies. If you are unable to verify the information, you must delete it from my credit report. 

XXXX PART OF THIS LETTER : PERSONAL INFORMATION Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX Please update my name to : XXXX XXXX My only Social Security Number is : XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have any telephone numbers listed on my report. 

Additionally, please remove all other addresses from my report, as they are not deliverable by the U.S. Postal Service and are not reportable under the FCRA, since they are inaccurate. 

XXXX PART OF THIS LETTER : CREDIT INQUIRIES I did not authorize anyone employed by these companies to make inquiries or view my credit report. This is a violation of the Fair Credit Reporting Act, Section 1681b ( c ), and constitutes a serious breach of my privacy rights.

I demand that you validate this information with these companies and provide me with copies of any documentation associated with these accounts, bearing my signature, authorizing such inquiries. In the absence of such documentation, I formally request that these fraudulent inquiries be deleted from my credit file immediately. 

The FCRA states that the only permissible purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. I am unaware of the inquiries listed below, never authorized them, and therefore demand their removal from my report. 

XXXX PART OF THIS LETTER : INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent accounts. 

I demand to see verifiable proof ( the original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has harmed my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide me a copy of verifiable proof, you must remove these accounts immediately. 

Accounts to be verified or removed : 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 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 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 XXXX ADDITIONAL INACCURATE INFORMATION Further accounts requiring verification or removal : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additional duplicate/inaccurate accounts listed multiple times ( XXXX ) : DPEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX  ( multiple entries ) DPEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX  ( multiple entries ) Other accounts : XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also, be advised that I am aware that no statute in the FCRA requires a XXXX of Attorney to be provided to you, nor does the absence of a XXXX of Attorney allow you to delay the processing of a consumers letters.

Company response to consumer: Closed with explanation