Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of inaccurate and unlawful information found on my credit report, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. The report includes accounts improperly labeled as charged off, unverified tradelines, and a long list of erroneous past addresses that were never associated with my identity. 
First, I demand the removal of the following incorrect addresses from my report, as they are false and do not pertain to me : XXXX Cascade Ct, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Meadow XXXX XXXX XXXX XXXX, CA XXXX XXXX Sorrel Ct, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( and all duplicates of these ) These addresses violate FCRA XXXX ( b ), which mandates the reporting of accurate and verifiable identifying information only. Their continued presence increases the risk of mistaken identity and wrongful attribution of debt. 
I also dispute and demand deletion of the following accounts that are reported inaccurately as charged off, late, or in collections : XXXX ( Account # : XXXX * * * * ) * XXXX XXXX XXXX XXXX XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX ( Account # : XXXX * * * * ) * * XXXX XXXX XXXX XXXX  {$3400.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX * * * * ) * * XXXX XXXX XXXX XXXX {$4500.00} Opened XX/XX/XXXX XXXX ( Account # : XXXX * * * * ) * * XXXX XXXX XXXX XXXX {$480.00} Opened XX/XX/XXXX XXXX XXXX  ( Account XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX * * * * ) * * XXXX XXXX XXXX XXXX {$420.00} Opened XX/XX/XXXX XXXX ( Account # : XXXX * * * * ) * * Late Payments High Balance {$440.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Account # : XXXX XXXX * * * ) * * Late Payments High Balance {$5300.00} Opened XX/XX/XXXX XXXX & XXXX XXXX ( Account XXXX XXXX XXXX XXXX * * * ) * * In Collections High Balance {$330.00} Opened XX/XX/XXXX I assert that these entries are inaccurate, unverified, and in many cases, may conflict with protections granted under bankruptcy proceedings ( U.S. Bankruptcy Court Ref # XXXX XXXX XXXX XX/XX/XXXX ). Any account included in a bankruptcy that is still being reported with a balance or as charged off is in clear violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) and FDCPA 1692e ( 8 ). Moreover, if any of these charged-off debts were forgiven or canceled, they should have triggered the issuance of IRS Form 1099-C, pursuant to IRS Publication 4681, and must be removed immediately as a result of their discharge.

These incorrect entries have caused emotional distress and measurable financial harm, including credit denials and adverse economic impact, further supporting my claim under FDCPA 1692k and FCRA 1681n. I am invoking my right to seek civil remedies should these violations continue beyond a reasonable investigation window. 
Accordingly, I demand that you : 1. Delete all inaccurate account data and wrong address information.

2. Cease reporting unverifiable and XXXX accounts. 
3. Confirm deletion in writing within XXXX calendar days as required by federal law. 
Do not send generic stall letters. Per FCRA regulations, each dispute must be addressed individually and based on its merits. Any attempt to delay processing based on assumptions about third-party assistance will be considered a willful violation under 15 U.S.C. 1681n. 
I AM FAMILIAR WITH THE LAW & I KNOW IT IS IN MY RIGHT TO HAVE 3RD PARTY SOFTWARE HELP WRITE MY DISPUTES! 
Enclosed please find copies of my government-issued ID and a recent utility bill to validate my identity and current address.

Company response to consumer: Closed with non-monetary relief