Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
To Whom It May Concern, This is my fifth and final formal dispute regarding serious inaccuracies and unauthorized information reported on my credit file. Your continued failure to resolve these issues after multiple disputes is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). You are now on legal notice.

DISPUTED ACCOUNTS The following accounts are inaccurate, unverified, duplicated, or otherwise report false or misleading information : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX Late Payment XXXX XXXXXXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX Charge Off for {$35000.00} XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX Charge Off for {$88.00} ( reported twice ) XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Charge Off for {$14000.00XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Collection for {$700.00} XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, opened XX/XX/XXXX Collection for {$890.00} These accounts have not been validated as required under FCRA 611 ( a ). Additionally, duplicate reporting and inconsistent data constitute a violation of FCRA 607 ( b ) and 602 ( A ). 

WRONG ADDRESSES The following addresses do not belong to me, and reporting them constitutes a violation of my consumer file accuracy rights : XXXX XXXX XXXX, XXXX, TX ( multiple variations including XXXX XXXX ) XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, TX XXXX New XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, AL XXXX XXXX Co, XXXX, AL Remove all of these addresses from my credit report immediately under FCRA 605 ( b ). Incorrect personal identifiers contribute to the misreporting of accounts and are considered materially misleading. 

UNAUTHORIZED OR EXCESSIVE HARD INQUIRIES You are reporting numerous hard inquiries that I did not authorize. Under FCRA 604 ( a ) ( 3 ), a permissible purpose must exist, and I never initiated credit applications with most of these companies. 

The following inquiries are disputed and must be deleted : Inquiries Dated XX/XX/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 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 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 ) Most of these inquiries were not consumer-initiated , and several are clearly duplicated across different creditors and dates. These excessive inquiries are harming my credit profile and must be removed under FCRA 604 ( a ) ( 3 ).

FINAL DEMAND FOR ACTION I demand that you : Delete or correct all the inaccurate and unverifiable accounts listed above.

Remove all false, outdated, and unauthorized addresses from my credit file. 

Delete all unauthorized and duplicate hard inquiries listed above. 

You are required by law to conduct a reasonable reinvestigation and provide full verification of these entries within 15 calendar days of receipt of this letter. Failure to do so will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Complaints to the Federal Trade Commission ( FTC ) and my State Attorney General Potential legal action for willful noncompliance under FCRA 616 and 617, which includes damages, attorneys fees, and court costs You are on final notice. I expect full resolution of these matters immediately.

Company response to consumer: Closed with non-monetary relief