Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To Whom It May Concern : This is a formal dispute filed in accordance with the Fair Credit Reporting Act ( FCRA ), CFPB Regulation V, and Senate Bill 5480. These laws require that all consumer information be accurate, verifiable, and non-misleading, and that unverifiable accounts must be deleted upon request.

I am demanding the removal of the following accounts, which violate these protections due to inaccuracies, missing legal validation, duplicate reporting, or lack of verifiable ownership documentation : Accounts to Be Deleted Under Senate Bill 5480 XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : [ Not listed ] Violation : No active payment or verified contract. Account is stale and unverifiable. 


XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : [ Not listed ] Violation : Listed as derogatory but not supported with verified ownership or activity history. No documentation present. 


XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : [ Not listed ] Violation : Third-party debt buyer lacking chain of custody and itemized statement. Violates SB 5480s debt validation standards. 


XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : [ Not listed ] Violation : Charged-off with outdated data and no updated verification. Past statute of limitations ; must be removed under FCRA XXXX ( a ). 


XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Balance : [ Not listed ] Violation : Potential duplicate entry of same debt. Senate Bill 5480 prohibits misleading or duplicative derogatory listings. 


UNKNOWN CREDITOR ( EQF ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : [ Not listed ] Violation : No creditor name, contact information, or documentation. This entry is unverifiable and violates all federal standards. 


OTHER OPEN ACCOUNT ( EXP ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : [ Not listed ] Violation : Incomplete reporting and no account ownership documentation. Listed as derogatory without verifiable support. 



Address Correction Demand Please immediately remove all outdated or incorrect addresses from my credit report. The only valid address that should remain is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  FL XXXX Legal Notice {$1000.00} Per Violation Failure to remove or correct the above accounts within the required timeframe may result in a penalty of {$1000.00} per violation under the FCRA and Senate Bill 5480.

This letter constitutes a final notice to comply before further action is taken.

Requested Actions Delete all accounts listed above from all credit bureau records Remove outdated addresses from my file Complete a reinvestigation of each account Provide written confirmation and an updated report reflecting these corrections Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief