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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : FORMAL LEGAL DEMAND FOR IMMEDIATE DELETION OF INACCURATE, UNVERIFIED, AND UNAUTHORIZED INFORMATION UNDER FCRA 1681 To Whom It May Concern : I am issuing this formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), concerning the repeated reporting of false, unverified, and unauthorized information on my consumer credit file. These violations have damaged my creditworthiness and exposed me to harm. 
You are now legally obligated to perform a full reinvestigation and remove all unverifiable data within 30 days, per FCRA 1681i. However, due to the number of repeated violations, I am demanding correction within 10 days to avoid formal escalation.

INCORRECT ADDRESS INFORMATION REMOVE IMMEDIATELY The following addresses are repeatedly reported on my file and are false : XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX This is a serious identity and accuracy issue and must be deleted under FCRA XXXX ( b XXXX and XXXX. 
UNVERIFIED NEGATIVE ACCOUNTS DEMAND FOR PERMANENT DELETION Late Payments ( XXXX BALANCE ) No Basis to Report Derogatory Status XXXX # XXXX * * Opened : XX/XX/XXXX Balance : {$0.00} * * XXXX RETAIL # XXXX * * Opened : XX/XX/XXXX Balance : {$0.00} * * XXXX XXXX  # XXXX * * Opened : XX/XX/XXXX Balance : {$0.00} * * These accounts are closed or have XXXX balance yet are still being marked derogatory. This violates XXXX XXXX compliance and FCRA XXXX ( b ) due to misleading status reporting. 
Active Late Account : XXXX FCU # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$20000.00} * * If you can not provide original billing records and signed credit agreements, this late status must be removed under FCRA XXXX ( b ). 
XXXX Account : XXXX. XXXX # XXXX * * Opened : XX/XX/XXXX Balance : {$210.00} * * o Original Creditor : XXXX XXXX o No debt validation, no chain of title, and no proof of assignment provided. 
Under FDCPA XXXX ( a ) and FCRA XXXX, if the furnisher can not prove ownership of the debt with an assignment and validation, the tradeline must be deleted. 
XXXX & IRS XXXX XXXX XXXX any account was charged off, canceled, or forgiven, the creditor is required under IRS Publication XXXX to report it as income using Form XXXX. Continuing to list it as collectible or derogatory without IRS classification constitutes fraudulent misreporting and violates both IRS guidelines and FCRA XXXX ( b ). 
HARD INQUIRIES EXCESSIVE, DUPLICATE & UNAUTHORIZED These inquiries were not explicitly authorized by me or were duplicated via dealership or reseller overpulling, a direct violation of FCRA XXXX ( a ) and CFPB guidance : Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. 
Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Unless XXXX XXXX signed proof of application, these inquiries must be removed under FCRA XXXX. 
IMMEDIATE ACTION REQUIRED Within XXXX calendar days, you are legally required to : XXXX. Delete all incorrect addresses listed above 2. Remove all unverified, duplicate, or zero-balance derogatory accounts 3. Delete collection tradelines not validated in accordance with FDCPA & FCRA 4. Remove all inquiries without documented consumer authorization 5. Provide written confirmation of completed reinvestigation and 6. Supply a free updated credit report per FCRA 1681i ( a ) ( 6 ) NOTICE OF ESCALATION Failure to comply will result in the following : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) Violation reports submitted to the Federal Trade Commission ( FTC ) Complaint submitted to the State Attorney Generals Office Legal action under FCRA 1681n and 1681o, seeking actual, statutory, and punitive damages You may not reject this dispute based on formatting, authorship, or third-party assistance. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief