Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX, FL, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX 2000 XXXX, PA XXXX RE : Formal Dispute Under the FCRA & FDCPA Name : XXXX XXXX XXXX XXXX : XXXX SSN ( last XXXX ) : XXXX To Whom It XXXX Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) to formally dispute and request validation of certain information appearing on my credit file.

1. Debt Validation & Removal of Unverified Accounts Under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681i, I demand validation of the following accounts and collections reported in my credit file. Unless the original signed contracts and complete payment history are produced, these items must be removed immediately : Consumer Adjustment / Snap Finance ( {$1800.00} ) XXXX XXXX XXXX XXXX FL XXXX XXXX ( {$1100.00} XXXX XXXX XXXX XXXX ( {$1700.00} FL XXXX XXXX XXXX XXXX XXXX ( {$1800.00} FL XXXX XXXX XXXX XXXX XXXX ( {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX ( {$320.00} Just Move XXXX XXXX ) These accounts are either inaccurate, duplicative, or not properly validated. Reporting multiple agencies for the same alleged debt is a violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( accurate reporting obligation ).

If you can not provide proper validation, including signed agreements and itemized statements, these accounts must be deleted immediately.

2. Removal of Inaccurate Personal Information In accordance with FCRA 1681i ( a ), I demand that the following outdated or incorrect addresses and phone numbers be removed from my credit file : XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( outdated ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( outdated ) P.O. XXXX XXXX, XXXX XXXX, FL XXXX ( outdated ) Any phone numbers not belonging to me or currently in use by me Only my current legal address of XXXX Washington XXXX, XXXX XXXX, FL XXXX should remain on file. 

3. Correction of Incorrect Information I also dispute any phone numbers reported that are not mine and request their immediate removal. Maintaining incorrect identifiers is a violation of FCRA 1681e ( b ) ( requirement for maximum accuracy ).

4. Legal Notice Please note that failure to comply with these requests within XXXX  days will result in : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Preserving my right to pursue legal action for willful noncompliance under 15 U.S.C. 1681n.

5. Action Requested Delete or correct all unverifiable, inaccurate, or duplicated accounts. 
Remove outdated/incorrect addresses and phone numbers. 
Provide me with a corrected copy of my credit report within the statutory timeframe. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief