Consumer complaint received 2025-05-14 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:
XXXX XXXX XXXX. XXXX XXXX XXXX, AL XXXX Date of Birth : XX/XX/XXXX SSN : * -- XXXX RE : FORMAL DISPUTE REQUEST TO DELETE INACCURATE ADDRESS, UNVERIFIED LATE PAYMENTS, AND UNAUTHORIZED INQUIRY To Whom It May Concern, This is a formal dispute and legal demand for reinvestigation and deletion of multiple inaccurate or unverifiable items currently being reported on my consumer credit file. As required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, your agency must promptly investigate and correct or delete any information that can not be fully validated with documentation. 
DISPUTED LATE PAYMENT ACCOUNTS Creditor : XXXX  Account # XXXX : # XXXX * * * * * * * * * * * o Date Opened : XX/XX/XXXX o High Balance : {$23000.00} o Status : Late Payment Account # XXXX : # XXXX * * * * * * * * * * * o Date Opened : XX/XX/XXXX o High Balance : {$15000.00} o Status : Late Payment Issue : These accounts are being reported with derogatory late payment history without any supporting documentation to justify the delinquency. No billing statements, contractual evidence, or payment history records have been provided. If these entries can not be fully validated, they must be deleted immediately under FCRA 1681i ( a ) ( 5 ) and FCRA 1681s-2 ( b ). 
UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this hard inquiry, nor did I initiate any application for credit with XXXX  XXXX on or around this date. If you can not produce clear documentation showing my express written consent for this credit pull, it must be removed under FCRA 1681b ( a ) ( 3 ) and 1681c-2.

LEGAL STANDARDS & YOUR OBLIGATIONS Under federal law, your agency is required to : Ensure the accuracy and completeness of all reported data ( FCRA 1681e ( b ) ) Reinvestigate disputes in good faith and within 30 days ( FCRA 1681i ( a ) ) Delete unverifiable, outdated, or duplicate data ( FCRA 1681i ( a ) ( 5 ) ) Only report inquiries that meet permissible purpose standards ( FCRA 1681b ) Failure to comply may result in legal and regulatory action under FCRA 1681n and 1681o, including actual and statutory damages, attorneys fees, and punitive damages.

DEMAND FOR ACTION I am demanding that you take the following actions within 10 calendar days : 1. Delete the incorrectly formatted/duplicated address 2. Reinvestigate and remove both late payment accounts if unverified 3. Delete the unauthorized XXXX XXXX inquiry unless full validation is provided 4. Provide a written summary of the reinvestigation 5. Issue a free updated copy of my credit report reflecting the corrections, as required under FCRA NOTICE OF ESCALATION Failure to respond appropriately will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A complaint filed with the Alabama Attorney Generals Office Possible civil action under FCRA Do not issue template letters or stall responses. I am asserting my rights under the FCRA, and I expect compliance. 
Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief