Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX Date of Birth : XX/XX/XXXXXXXX XXXX : XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE INACCURATE ADDRESSES, UNVERIFIED NEGATIVE ACCOUNTS, AND UNAUTHORIZED INQUIRIES To Whom It May Concern : This letter constitutes a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. for the removal of incorrect addresses, unverified negative accounts, and unauthorized inquiries currently appearing on my credit report. These entries are damaging my consumer profile, and you are legally obligated to reinvestigate and delete any information that can not be fully validated. 
INCORRECT ADDRESSES DELETE IMMEDIATELY The following addresses do not belong to me and are inaccurately reported on my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX These addresses are unauthorized and must be permanently removed under FCRA 1681e ( b ) and 1681c-2, which mandate maximum accuracy and give consumers the right to block incorrect or unauthorized information. 
DISPUTED ACCOUNTS XXXX  XXXX # XXXX * * * * Date Opened : XX/XX/XXXX High Balance : {$620.00} Status : Late Payment Issue : No supporting documentation or contractual billing statements have been provided to verify the delinquency. Without such evidence, this late payment must be deleted under FCRA 1681i ( a ). 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$250.00} Status : Collection Issue : This third-party debt collection account lacks validation, including assignment documentation, original creditor proof, and legally required debt verification under FCRA 1681s-2 ( b ) and FDCPA 809 ( a ). If these documents can not be produced, the tradeline must be deleted.

NOTICE : CHARGE-OFFS AND COLLECTIONS IRS & METRO 2 VIOLATIONS If any account has been forgiven or canceled by the creditor, it must be reported under IRS Publication 4681 as income, not as an active obligation. Continued reporting of canceled or charged-off accounts without proper classification may constitute misrepresentation under FCRA 1681e ( b ).

Furthermore, per Metro 2 guidelines, collection and charge-off tradelines must be formatted consistently across all bureaus. Conflicting or incomplete data across agencies triggers legal consequences.

UNAUTHORIZED HARD INQUIRIES The following credit inquiries were not authorized by me and must be removed unless written consent is on file : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via Dealer XX/XX/XXXX If you can not provide signed documentation proving that I applied for credit through these entities, these inquiries violate FCRA 1681b ( a ) ( 3 ) and must be deleted immediately.

DEMAND FOR ACTION I am requesting the following corrective actions within 10 calendar days : 1. Delete all incorrect addresses listed above 2. Remove all unverified and incomplete tradelines 3. Delete unauthorized inquiries unless full validation is provided 4. Provide a written summary of the reinvestigation results 5. Issue an updated and accurate copy of my credit report free of charge per FCRA 1681i ( a ) ( 6 ) NOTICE OF ESCALATION Failure to comply with this legal dispute will result in : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Reporting to the Federal Trade Commission ( FTC ) A complaint to the Louisiana Attorney General Legal action under FCRA 1681n and 1681o, including damages and attorneys fees Your agency is also reminded that you may not reject this dispute based on formatting, authorship, or third-party assistance. Doing so will be treated as obstruction and noncompliance. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief