Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
I am writing to formally dispute and contest the accuracy and validity of certain information currently appearing on my credit report. This includes items that are unverified, inaccurate, outdated, or fraudulent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Accounts Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I challenge the validity of these accounts due to the following : The information appears to be unverified and undocumented. 

There is no permissible purpose or documented authorization for the alleged inquiries or accounts. 

These entries may have resulted from identity theft due to a national public data breach, which compromised my personal information, including my Social Security number.

I request the following under 15 U.S.C. 1681c-2 ( a ) : Immediate investigation and removal of all inaccurate and fraudulent accounts listed above.

Physical documentation and verifiable evidence of the accounts existence and your authority to report them.

If you can not provide proper documentation, delete the accounts immediately from all credit reporting agencies. 

Updated copies of my credit report reflecting the changes. 

Specific Fraudulent Accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX These accounts are fraudulent, inaccurate, and unverifiable. You have no valid documentation proving that these debts are mine. The matter is currently under FTC investigation. 

As provided by 15 U.S.C. 1681b and 1692g, you are legally required to provide : Clear evidence of the alleged debt.

Proof of my responsibility for the debt.

Verification methods per 15 U.S.C. 1681i ( 7 ). 
Failure to provide this information constitutes willful and negligent non-compliance, and I reserve the right to pursue legal remedies, including : Legal Violations Being Pursued ( per violation : {$1000.00} minimum ) : Defamation of character Negligent enhancement of identity fraud Failure to comply with the FCRA ( 15 U.S.C. 1681o, 1681n ) Failure to provide verification ( 1681i ( 7 ) ) Unauthorized use of my consumer report ( 1681b ) Inaccurate reporting and lack of permissible purpose Failure to respond within the required timeframes Errors in Personal Information In addition, I have noticed errors in the personal information section of my credit report, including : Misspelled or incorrect name Outdated or unknown addresses Hard inquiries I do not recognize Please update my credit report to reflect only the following accurate information : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Social Security Number ( last four ) : XXXX Date of Birth : XX/XX/year> Any other names, addresses, Social Security numbers, or birthdates must be removed immediately, as they are not associated with me and represent outdated or inaccurate data. 

Final Notice This is a formal demand for correction and deletion of all fraudulent or inaccurate information. If you fail to take proper action, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action in small claims court, seeking compensation for each statutory violation under 15 U.S.C. 1692k. 

Unless I receive confirmation that the disputed accounts have been removed and my personal information has been corrected, I will interpret your inaction as intentional non-compliance and proceed accordingly. 

Please send me written confirmation of the actions taken and an updated copy of my credit report within the legally mandated timeframe. 

Sincerely, XXXX XXXX [ Your Contact Information ] [ Date ] Let me know if you'd like help formatting this into a Word or PDF document or if you need an envelope-ready printable version. 



You said : DONT SUMMARIZE XXXX said : Understood. Here 's your original letter, corrected without summarizing, preserving your structure and intent but with grammar, punctuation, and clarity improved : Listed below are the accounts that are being challenged : XXXX  - XXXX I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge according to the FCRA and the accepted standard of Metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof. I request accurate reporting of allegations and avoidance of unlawful claims. Please provide verifiable evidence of the account 's existence and permissible usage. If such evidence is absent, I expect the removal of the account from my report. Kindly send physical documentation of your actions and an updated credit report. 

I am a victim of identity theft due to a data breach, and my Social Security number has been compromised. Under 15 U.S.C. 1681c-2 ( a ), you must block and remove all fraudulent information from my credit report within four business days of receiving this request. 

I have identified the following disputed items as fraudulent : XXXX XXXX - XXXX This collection account is outright fraudulent and inaccurate. My personal data was compromised in the XXXX XXXX DATA BREACH, resulting in unauthorized accounts appearing on my report. You have no valid proof or documentation of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are legally obligated to provide concrete evidence of my liabilitysomething you clearly can not. This matter is currently under FTC investigation. DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX This collection account is outright fraudulent and inaccurate. My personal data was compromised in the XXXX XXXX DATA BREACH, resulting in unauthorized accounts appearing on my report. You have no valid proof or documentation of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are legally obligated to provide concrete evidence of my liabilitysomething you clearly can not. This matter is currently under FTC investigation. DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX This collection account is outright fraudulent and inaccurate. My personal data was compromised in the XXXX XXXX DATA BREACH, resulting in unauthorized accounts appearing on my report. You have no valid proof or documentation of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are legally obligated to provide concrete evidence of my liabilitysomething you clearly can not. This matter is currently under FTC investigation. DELETE THIS ACCOUNT IMMEDIATELY. 

You are legally required to take action. If you fail to remove this fraudulent information, I will file a small claims lawsuit against your agency. Each violation carries statutory damages of {$1000.00} per 15 U.S.C. 1692k. The violations include but are not limited to : Defamation of character Negligent enhancement of identity fraud Failure to comply with the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) Failure to comply with 15 U.S.C. 1692g Violation of permissible purposes of consumer reports ( 15 U.S.C. 1681b ) Failure to provide the method of verification ( 15 U.S.C. 1681i ( 7 ) ) Upon looking at my credit report, I noticed errors with my personal information, including a misspelling of my actual name, unknown or old previous addresses, and several hard inquiries that I am not 100 % sure about. How did these get on my report, and how could such a file mix-up occur? This is a major issue for me. 

Can you please fix it? Based on what Ive read from the FTC and FCRA laws and regulations, any and all inaccurate and/or outdated information must be deleted immediately from my credit report, as it is not reportable under the FCRA. 

These are the ONLY personal information details that should be reported on my credit report : Current Address : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Correct Name : XXXX XXXX Social Security Number ( last four digits ) : XXXX Date of Birth : XX/XX/year> Only the name, address, Social Security number, and date of birth listed aboveand those included in the documents attached to this lettershould appear on my credit report. Anything else should be deleted ASAP from my credit file. 

I am not confident that you can meet the necessary requirements to successfully defend yourself in court, and I will use any deficiencies in your compliance to seek a minimum of {$1000.00} per violation, of which there appear to be many. 

Unless your response confirms that you have already annulled the unproven claims against me and completely erased any records related to these claims, I will assume that you are hostile to my demands for proper reporting and are intentionally disregarding your duties. 

If this is the case, civil suits are inevitable, and criminal charges may also be considered if your deception or lack of compliance causes harm. 

Violations of my right to privacy ( 15 U.S.C. 1681a ( 4 ) ) Failure to comply with consumer report requirements ( 15 U.S.C. 1681c )

Company response to consumer: Closed with non-monetary relief