Product: Credit reporting or other personal consumer reports

[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Repeated Mishandling of Disputed Inquiries Violation of FCRA To Whom It May Concern, I am writing to formally lodge a complaint regarding Equifaxs repeated mishandling of disputed inquiries on my credit report. Your actions in this matter appear to violate the Fair Credit Reporting Act ( FCRA ), particularly regarding unauthorized inquiries, the accuracy of reporting, and the reinsertion of disputed information without proper notification.

Ive submitted several disputes to Equifax regarding several unauthorized hard inquiries that appeared on my credit report. These inquiries were made by creditors with whom I have no accounts, past or present, and I did not authorize any of these hard inquiries. The specific unauthorized inquiries are as follows : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Note : This inquiry was related to a car accident settlement secured by XXXX XXXX XXXX, and no credit-based transaction was initiated or authorized by me. 
XXXX. XXXX XXXX XXXX XXXX XXXX Following my disputes, Equifax denied the removal of these inquiries from my credit report. However, they were removed previously these same inquiries, and were later reinserted into my file without proper verification or the legally required reinvestigation notices. 

Violations of the FCRA I believe Equifaxs actions constitute multiple violations of the FCRA, including but not limited to : 1. Failure to Assure Maximum Accuracy ( 15 U.S.C. 1681e ( b ) ) : Equifax has a legal obligation to ensure maximum possible accuracy in the information included on my credit report. Allowing unauthorized and unverifiable inquiries to remain or be reinserted demonstrates negligence in fulfilling this obligation.

2. Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : Despite my disputes, Equifax failed to conduct a thorough reinvestigation to verify the legitimacy of these inquiries before re-adding them to my file.

3. Failure to Provide Notice of Reinserted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : The FCRA requires that if previously deleted information is reinserted into a credit report, the consumer must be notified within five business days. I did not receive any notification of the reinsertion of these inquiries.

4. Reporting of Unauthorized Inquiries ( 15 U.S.C. 1681b ) : The hard inquiries listed above do not meet the permissible purposes outlined under 1681b, as I did not authorize these companies to access my credit file, nor do I have or have I ever had accounts with these entities.

Request for Immediate Action To rectify this matter and ensure compliance with the FCRA, I demand the following : 1. Immediate Deletion of Unauthorized Inquiries : Permanently remove the unauthorized inquiries from my credit file, ensuring they are not reinserted without proper justification and notification as required by law.

2. Written Confirmation : Provide a written confirmation that these disputed inquiries have been permanently removed from my credit report.

3. Detailed Explanation : Provide a detailed explanation of how these inquiries were reinserted into my credit file without proper verification or notification.

4. Compliance with FCRA : Conduct a full investigation into Equifaxs handling of this matter and implement measures to prevent further mishandling of disputes in the future.

Notice of Potential Legal Action If this matter is not resolved promptly and satisfactorily, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action to protect my rights under the FCRA.

Please respond to this complaint in writing within 30 days, as required by the FCRA. You XXXX contact me at [ XXXX ] or [ XXXX ] if further clarification or information is required. 

Thank you for your immediate attention to this serious matter. I trust that Equifax will resolve this issue promptly and in compliance with your obligations under federal law. 

Sincerely, [ XXXX XXXX XXXX ]