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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Date of birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX As a vigilant and legally informed consumer, I am compelled to issue this formal dispute regarding persistent credit reporting violations still appearing on my credit file. Despite previous dispute efforts, several inaccurate or unverifiable items remain, constituting a clear violation of federal law. As per your legal obligations under the Fair Credit Reporting Act ( FCRA ), these items must be fully investigated and removed if not completely verifiable and accurate. 
Newly Identified Accounts in Violation The following accounts are inaccurate, unverifiable, or misrepresented and must be deleted The following accounts are inaccurate, unverifiable, or misrepresented and must be deleted immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payments ; derogatory reporting continues despite resolution or non-validation. 
Account Name : KANSAS DEPARTMENT FOR Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Late Payments ; record is outdated and unverifiable. 
Account Name : XXXX XXXX XXXX  Account Number : ( Not fully listed ) Date Opened : XX/XX/XXXX Issue : Late Payments ; XXXX balance reported, yet negative status remainsthis is misleading and harmful. 
Outdated/Unverified Addresses The following addresses do not belong to me or are outdated and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 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 XXXXXXXX Questionable Hard Inquiries The following hard inquiries were unauthorized and are now formally disputed : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Authority and Grounds for Dispute Your agency must comply with : FCR

A, 15 U.S. Code 1681 et seq. FDCPA, 15 U.S. Code 1692 et seq. IRS Publication 4681 & Form 1099-C ( Charged-Off Debt ) Oversight by CFPB, FTC, and applicable state regulators These laws require that unverifiable, outdated, or misleading data be removed from consumer credit files. Noncompliance with these regulations may lead to significant penalties.

Ongoing Consumer Harm This incorrect reporting continues to damage my credit score and restricts my access to fair credit opportunities, housing, and employment. I consider this a form of financial injury and emotional distress and am prepared to pursue appropriate remedies if these issues persist.

Formal Request for Verification & Deletion You must immediately : Provide original signed contracts and full debt validation including chain of title, dates of delinquency, and accounting details. 
Delete any unverifiable, inaccurate, or outdated data, including hard inquiries and past addresses. 
A new FTC Identity Theft Report and CFPB complaint have been submitted against your failure to fully resolve my prior disputes. 
Third-Party Assistance Disclosure I reserve my right to use third-party assistance in preparing this dispute, which is fully legal under federal law. You may not disregard this dispute due to suspicions regarding authorship or assistance. Do not send generic stall letters. 
Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief