Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request a comprehensive audit and deletion of inaccurate, unverifiable, outdated, and unauthorized information currently listed on my credit report. Under federal law, I am exercising my rights as a consumer to ensure that my credit file remains fair, accurate, and substantiated. 

This includes, but is not limited to, negative accounts, inquiries, charge-offs, repossessions, late payments, bankruptcies, collections, foreclosures, and any other derogatory items that do not meet the compliance standards required by law. 



Cited Legal Grounds for Immediate Deletion : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Under Section 611 ( 1681i ), any item not verified within 30 days must be deleted.

Section 602 ( A ) mandates that all credit reporting must be accurate, fair, and have integrity.

Section 605 ( 1681c ) prohibits reporting of outdated negative information beyond : 7 years for collections, charge-offs, and late payments.

10 years for bankruptcies.

Section 604 ( 1681b ) limits when inquiries may be legally authorized. Unpermitted inquiries must be removed immediately. 
2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 807 ( 8 ) forbids reporting of a debt that is false, misleading, or deceptive.

If a collection account is being reported without complete verification or legal standing, it constitutes a violation of the FDCPA.

3. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 Enforces safeguards for non-public personal information. Any account or inquiry listed without express consent or permissible purpose violates my privacy rights.

4. Privacy Act of 1974 No agency or institution is allowed to maintain a record about me without proper authorization, transparency, or legitimate reason. Items placed without my knowledge or legal consent must be removed. 
5. Federal Trade Commission ( FTC ) Opinion Letters The FTC has consistently ruled that any item not 100 % accurate and verifiable must be deleted, not corrected.

Items Requested for Deletion Include ( but are not limited to ) : All unauthorized hard inquiries.

All accounts not validated with original signed contracts or proper documentation.

Negative accounts older than 7 years ( or 10 years for bankruptcy ).

Any item that fails to comply with FCRA, FDCPA, GLBA, or other consumer protection standards.

Demand for Action : I am requesting the immediate deletion of all non-compliant entries within 30 days per the FCRA 611. If the accounts or inquiries in question can not be validated with original documentation bearing my signature and showing full compliance with federal laws, they must be permanently removed. 

Please forward a revised and updated credit report to the address listed above upon completion of your investigation, along with written confirmation of deletions made. I am keeping detailed records of this communication for my protection and future legal action if necessary. 

Failure to comply will result in filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office This letter is being sent in good faith to give you the opportunity to correct your records without escalation. 

Sincerely, [ Your Name, Signature if mailed ] Attachments ( if mailing ) : Copy of Government ID Copy of Social Security Card or W2 Recent Utility Bill or Bank Statement for Address Verification A copy of your current credit report ( highlighting items in dispute )

Company response to consumer: Closed with explanation