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: MO

Complaint narrative:
To Whom It May Concern, This letter serves as my XXXX  formal dispute regarding multiple items being inaccurately and unlawfully reported on my credit file. You are hereby being notified that the following items are either inaccurate, unverified, or were reported without proper authorization or documentation. These entries must be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
INCORRECT ADDRESSES The following addresses are not associated with me, and their continued reporting is a direct violation of FCRA 607 ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information in consumer reports. 
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 addresses XXXX be permanently deleted from my credit file. If any creditor provided these, I request a full disclosure of the data furnisher who reported them, per FCRA 609 ( a ) ( 1 ). 
UNVERIFIED OR INACCURATE ACCOUNTS The following accounts are being reported without full and proper verification, violating FCRA 611 ( a ) and 604 ( b ) : XXXX. XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX | High Balance : {$4700.00} | Status : Charge-Off No proper verification has been provided. The charge-off status is harming my report and must be removed unless fully validated by the original creditor with all documentation. 
XXXX. XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$3400.00} | Status : Charge-Off This account must be deleted if the original contract and full payment history can not be verified. Continued reporting without such documentation violates FCRA 611 ( a ) ( 2 ). 
XXXX. XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX | Balance : {$270.00} | Status : Collection As this is a collection, I am requesting debt validation under FDCPA 809 ( b ). If XXXX can not prove the debt with original creditor documentation, the account must be removed immediately. 
UNAUTHORIZED INQUIRIES The following hard inquiries appear without my written consent and may constitute a violation of FCRA 604 ( a ) ( 3 ), which limits permissible purposes for accessing a consumer 's credit file : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If no permissible purpose can be proven, these inquiries must be deleted immediately. I also demand the name and address of the companies who initiated these inquiries, as I have no current or prior relationship with them. 
LEGAL NOTICE You are now on notice that failure to comply with these demands within XXXX  days will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General 's Office. I am also prepared to seek legal action for violations of FCRA 616, 617, and FDCPA 813. 
I expect your response in writing and full compliance within the legally required time frame.

Company response to consumer: Closed with non-monetary relief