Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable items that are being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). According to FCRA 611, I have the right to request that all inaccurate, outdated, or unverified information be investigated and removed. 
PERSONAL STATEMENT In recent years, I have faced substantial hardship due to serious family and medical emergencies. During this time, I experienced temporary financial instability that caused unavoidable delays in my obligations. I have since recovered, regained stability, and am actively working toward restoring my credit and financial health. I am not disputing responsibility, but I do ask for a fair review of the items below, many of which I believe are either reporting in error, duplicated, or no longer legally reportable. 
ACCOUNTS WITH INACCURATE DEROGATORY INFORMATION I am requesting an investigation and immediate deletion of the following accounts, which are inaccurately reported or unverifiable : XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Late Payment XXXX XXXXXXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Late PaymenXXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Late Payment XXXXXXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Late Payment XXXX Account # : XXXX Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX  # XXXX Various Balances Late Payment XXXX # XXXX Various Balances Late Payment These accounts must be verified by original signed contracts and complete payment histories. If the furnishers can not provide full documentation as required by FCRA XXXX, they must be permanently deleted. 
UNAUTHORIZED OR DUPLICATE HARD INQUIRIES The following hard inquiries appear on my report without my authorization. Per FCRA XXXX ( a ) ( XXXX ), a permissible purpose is required for such inquiries. I am requesting that they be removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Possible duplicate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If no signed authorization from me can be produced for these inquiries, they must be removed. 
INCORRECT OR FRAUDULENT ADDRESSES The following addresses listed on my credit report are not connected to me, are incorrect, or are outdated. This misinformation can result in mixed files or identity confusion, which violates FCRA XXXX ( b ). Please delete all of the following immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX These addresses are not accurate and must be deleted to avoid further confusion or damage. 
REQUEST FOR RESOLUTION Under FCRA 611, you are required to conduct a reasonable investigation and respond to this dispute within 30 days of receiving this letter. If the information can not be 100 % verified with original documentation, it must be removed from my credit file. 
If these issues are not resolved appropriately, I will proceed with formal complaints to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney General 's Office I appreciate your prompt attention to this matter and look forward to your confirmation of deletion or correction.

Company response to consumer: Closed with non-monetary relief