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: TX

Complaint narrative:
I am writing to formally dispute several accounts and addresses on my credit report that I believe are being reported inaccurately and unlawfully. These entries are not only unverifiable, but also appear to be in direct violation of federal laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS guidelines regarding canceled debts. 

This dispute has also been submitted to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for review. A copy of this letter is being provided to those agencies as part of my formal complaint.

Disputed Addresses Never Lived at These Locations The following addresses are inaccurately listed in my credit file and are not associated with me in any way. Their continued presence violates FCRA 1681e ( b ) and 1681i. 

XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX Disputed Accounts Inaccurate and Unverifiable Creditor Account # Date Opened Balance Status Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$300.00} Charge Off No contract or validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$590.00} Late Payments Inaccurate payment reporting. 
XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX signed agreement provided. 
XXXX XXXX XXXX XXXX XX/XX/XXXX {$17000.00} Charge Off Unable to verify ownership. 
XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} Late Payments Disputed late payments ; improper reporting. 
XXXX XXXX XXXX XXXX * * * XX/XX/XXXX {$1600.00} Collection No debt validation. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$820.00} Collection Unverified and disputed. 
XXXX XXXX XXXX XXXXXXXX * XX/XX/XXXX {$1900.00} Collection No supporting documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$730.00} Collection Failure to validate. 
XXXX XXXX XXXX * * XX/XX/XXXX {$0.00} XXXX XXXX Incorrect charge-off status with {$0.00} balance.

Violations of Federal Law Failure to Report Accurate Information 15 U.S. Code 1681e ( b ) Experian must ensure that all data is complete and accurate. If any item can not be 100 % verified with original documentation, it must be deleted.

Failure to Properly Investigate 15 U.S. Code 1681i I have the right to dispute inaccurate items. If you can not provide full documentationincluding signed agreements or billing historythe item must be removed.

Improper Debt Collection Practices 15 U.S. Code 1692e and 1692g ( a ) If any of the accounts above have been transferred to third-party collectors, they must provide full validation under the FDCPA. Without proper validation, continued reporting is unlawful.

Failure to Mark Disputed Accounts 15 U.S. Code 1681s-2 ( a ) ( 3 ) Any account under dispute must be clearly marked as such. Failure to indicate disputed status is a direct violation of the FCRA.

IRS Classification of Charge-Offs Misreporting as Collectible Debt Per IRS Publication 4681 and 1099-C guidelines, any charged-off debt over {$600.00} that has been canceled must not be reported as unpaid. If a creditor has issued a Form 1099-C, that debt is considered canceled income and no longer a legal obligation. Reporting such debts as active or collectible violates : FCRA 1681s-2 ( a ) IRS tax code and consumer protections Privacy Law Violations You have also failed to comply with federal privacy protections, including : 15 U.S. Code 1681b Only permissible purposes allowed 15 U.S. Code 1681e ( a ) Duty to maintain data security FTC Act Section 5 Prohibits deceptive data handling GLBA Privacy Rule Requires proper consumer disclosures CFPB Regulation Governs how consumer information may be shared or retained No reporting or access to my data is permitted without my informed written consent.

No Power of Attorney or Delay Is Permitted Whether I used a template, third-party service, or prepared this myself is irrelevant. I am the authorized sender. You may not reject or delay this dispute on that basis. Federal law requires full and timely investigation regardless of how the dispute was prepared.

FINAL NOTICE & DEMAND You have 10 calendar days from the date of receipt of this letter to : Complete your reinvestigation Provide full verification with documentation Remove any unverifiable or inaccurate accounts and addresses Provide written results of your actions Failure to comply may result in civil litigation and damages under 15 U.S. Code 1692k. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief