Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
* * Added Dispute * * Please reinvestigate Subject : Formal Credit Report Reinvestigation and Immediate Deletion Demand under FCRA and Consumer Protection Laws To Whom It May Concern, This letter serves as my formal dispute and reinvestigation demand concerning multiple false, inaccurate, and unauthorized entries on my credit report. As a consumer exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681s-2, and other applicable federal laws, you are required to correct or delete any and all information that is inaccurate, unverifiable, or reported in violation of law. This also includes your duty to prevent the reinsertion of such information without proper certification. 

I. Address Dispute My ONLY current and valid address is : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Remove the following outdated, unauthorized, and inaccurate addresses from ALL records immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not associated with my identity and reflect either outdated or potentially fraudulent data. Continued reporting of inaccurate addresses constitutes a violation of FCRA Section 607 ( b ). 

II. Account Disputes XXXX XXXX XXXX XXXX ( Account # : XXXX ) XXXX fabricated late payments Inaccurate reporting of XXXX delinquency while marked as Authorized User Credit limit : {$300.00} ; reported balance : {$600.00} ( 200 % usage ) Last payment made : XX/XX/year> This account reports grossly inaccurate payment history with recycled XXXX late marks for XXXX, which is false, incomplete, and misleading. 

XXXX Requested : Immediately DELETE or accurately update this account. Reporting XXXX days late on an Authorized User account violates FCRA XXXX ( b ) and is not legally enforceable. 

XXXX XXXX XXXX Account # : XXXX ) XXXX late payments falsely reported Balance : {$6200.00} Past due amount : {$1300.00} Payment history includes overlapping and excessive late entries that violate FCRA Section 607 ( b ) and furnishers duty to maintain accuracy.

Relief Requested : Immediate deletion or correction. This pattern of false delinquencies is unlawful and misleading. 

XXXX XXXX ( Account # : XXXX ) {$1900.00} balance No payment history reported Closed account The balance is not validated. No history provided. Unverifiable under 15 U.S.C. 1681i ( a ).

Relief Requested : Immediate deletion due to unverifiable data. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) {$350.00} in collections with no payment or status history No validation of debt or original contract provided Violates FCRA and FDCPA Section 809 ( a ) if not validated Relief Requested : Immediate deletion for failure to provide proper validation or any supporting documentation. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX, Account # : XXXX ) {$93.00} in collections No account detail or verification No original agreement or contractual proof Relief Requested : Immediate deletion for lack of validation and failure to prove ownership or accuracy under FCRA and FDCPA. 

Legal Notice of Compliance If you are unable to properly verify, validate, and correct the disputed information within 30 days of receipt of this letter, you are legally required to DELETE it from my credit report. 

I request an updated report be sent to me once changes are made. Furthermore, this letter serves as notice to block any reinsertion without full certification and notification as required under FCRA 1681i ( a ) ( 5 ).

Remedy Deadline : 15 Business Days from Rece
ipt Failure to comply will result in immediate escalation with the CFPB, FTC, State Attorney General, and possible civil litigation for damages, stress, and statutory penalties under FCRA, FDCPA, and U.S. Code Title 15. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief