Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
I am writing as a consumer under the protection of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq., to formally dispute numerous inaccurate, incomplete, and unauthorized entries on my credit file. These entries are damaging and unlawful, and I am demanding their full deletion based on the statutes that govern your conduct and reporting obligations. 
Upon reviewing my credit file, I discovered multiple issues that must be corrected immediately. Most egregiously, my personal address information is incorrect. None of the following are my current or accurate addresses and should be removed entirely from my credit profile : 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  Further, my credit report reflects several derogatory tradelines and inquiries that I never authorized or that contain reporting inaccuracies. The following entries must be removed in full : The account with XXXXXXXX XXXX XXXX XXXXXXXX in XXXX * * * * ) reflects a late payment despite my consistent payment history. 
The collections listed from 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  ) are inaccurate, unverifiable, and unvalidated debts. 
XXXX  XXXX  ( # XXXX * * ) is misreporting a late payment, which is patently false. 
The account from XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * ) is a charged-off debt with a high balance of {$2500.00}. If this debt was forgiven or written off, the IRS requires a 1099-C to be issued, as stipulated in IRS Publication XXXX. As such, any charged-off account without proper tax documentation indicating cancellation of debt is potentially fraudulent and must be removed. 
Additionally, I am seeing an alarming number of inquiries on my report that I did not authorize. These include but are not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and several others throughout XXXX and XXXX. 
Under 15 U.S. Code 1681b, a consumer report may only be accessed for a permissible purpose with my consent. I have not provided authorization for these inquiries, and they represent clear violations of my privacy and rights. 
The Fair Credit Reporting Act mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ), and they must delete unverifiable or inaccurate information within 30 days ( 1681i ). Moreover, under the FDCPA, you are obligated to cease collection and verify debts upon request ( 1692g ( a ) ), and you are prohibited from engaging in misleading practices ( 1692d ( 2 ), 1692c ). 
This inaccurate and unlawfully reported information has caused me significant distress, denials for credit, and damage to my financial reputation. These entries are neither verified nor complete, and they are in violation of both the FCRA and FDCPA. Therefore, I am not requesting correctionI am demanding complete deletion of the items listed above.

I expect a written response within ten ( 10 ) days, as permitted under 15 U.S.C. 1681n and 1692k, which provide for civil liability for willful noncompliance. Failure to comply will leave me no choice but to seek redress through formal regulatory complaints and legal action. 
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 XXXX PARTY SOFTWARE HELP WRITE MY DISPUTES!

Company response to consumer: Closed with non-monetary relief