Consumer complaint received 2025-07-24 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:
To Whom It May Concern, I am writing under my rights guaranteed by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), FDCPA ( 15 U.S.C. 1692 ), XXXX XXXX XXXX, and the XXXX XXXXXXXX XXXX XXXX XXXX  to formally dispute and demand the removal of all erroneous, harmful, or unverifiable information from my consumer report. 

I do not consent to the continued reporting or third-party distribution of any inaccurate or unverifiable data that affects my character, creditworthiness, or personal integrity. Under universal law and natural rights, I retain the authority to revoke such consent where harm, fraud, or coercion has occurred.

Items for Immediate Investigation and Removal 1. Name Discrepancy on Experian Incorrect alias : XXXX XXXX My legal name is XXXXXXXX XXXX XXXXXXXX. Please correct this and remove any variation not legally associated with me. 



2. Unauthorized Hard Inquiries ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> And many more. 

These were not authorized by me. Under 15 U.S.C. 1681b ( f ), a consumer report must not be accessed without permissible purpose and consent. 

3. Negative Accounts Reporting Without Proper Verification XXXX XXXX XXXX ( for XXXXXXXX XXXX {$630.00} ) XXXX XXXX XXXX ( for XXXX  XXXX {$450.00} ) XXXX XXXX XXXX Charged-Off XXXX XXXX Charged-Off These accounts are being reported by both the original creditor and collection agencies, which may constitute double reporting.

Under 15 U.S.C. 1681i and 1692g, I demand full verification of these accounts or their removal. No party has provided me with original signed contracts or chain of assignment as required by law.

4. Late Payments ( Unverified ) Late payments listed with Experian and Equifax are vague, unverifiable, and outdated. 

You are legally obligated to conduct a full investigation within 30 days and delete any item that can not be verified with credible records. 

Legal & Lawful Basis for This Request 15 U.S.C. 1681 ( a ) ( 4 ) All credit reporting must be fair, accurate, and respectful of consumer rights.

15 U.S.C. 1681i You must reinvestigate disputed information within 30 days or remove it.

15 U.S.C. 1681b Credit inquiries require my written consent.

15 U.S.C. 1692g Debt collectors must validate debts upon request or cease collection.

Universal Law Without my consent, no entity may profit from or share my private information that causes harm.

Notice to Agent is Notice to Principal. Notice to Principal is Notice to Agent.

Demands 1. Immediate deletion of all unverifiable, outdated, duplicate, and erroneous accounts from my file.

2. Written confirmation that these items have been deleted and that no further action will be taken against me.

3. Updated credit file reflecting only verified, accurate, and lawfully reported data.

Failure to comply will constitute a willful violation of my rights and may result in a formal complaint with the CFPB, FTC, state attorney general, and legal action for damages under 15 U.S.C. 1681n & 1681o. 


-- - Respectfully, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief