Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address a critical discrepancy in your handling of my credit report. In your recent communication regarding my dispute, you stated that the XXXX XXXX XXXX account and associated hard inquiries are not reporting on my Equifax credit file. However, I have verified through my credit report that both the account and the hard inquiries are still visible. 

Inconsistency and Violations : Contradictory Statements : Your communication states the account and hard inquiries are not reporting. 
My credit report clearly shows that the XXXX XXXX XXXX account and hard inquiries remain visible. 
Failure to Address Dispute Properly : Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to conduct a reasonable investigation and provide accurate dispute results. The presence of these items, despite your claim they have been removed, indicates a failure to resolve this dispute accurately. 
Continued Reporting of Hard Inquiries : The hard inquiries associated with XXXX XXXX XXXX and other entities remain on my credit report, yet your investigation claims otherwise. If these inquiries were made without my consent or are related to the disputed account, they must be removed immediately under [ 15 U.S.C. 1681b ].

Failure to Provide Documentation : In my prior disputes, I requested verification of the information Equifax used to confirm the accuracy of the XXXX XXXX XXXX account and inquiries. You have failed to provide documentation or proof to support your claims. This is a violation of your obligations under [ 15 U.S.C. 1681g ]. 
Reference to CFPB Enforcement Action : On XX/XX/year>2025, the Consumer Financial Protection Bureau ( CFPB ) announced that it had taken action against Equifax for systemic failures in investigating consumer disputes, reinserting inaccurate information into credit reports, and using flawed processes that resulted in inaccurate consumer data. These actions demonstrate a pattern of non-compliance with the FCRA, which further undermines the validity of your response to my dispute. 
Request for Immediate Action : Removal of XXXX XXXX XXXX Account : If you have verified that this account is not reporting, ensure that it is completely removed from my credit file and that no residual data remains visible. 
Removal of Hard Inquiries : Delete all hard inquiries associated with XXXX XXXX XXXX and any others listed without permissible purpose or my consent. 
Provide Documentation : Supply detailed documentation used during the investigation to verify the account and inquiries, including records of communication with the data furnisher. 
Updated Credit Report : Send me an updated copy of my credit report reflecting the removal of the XXXX XXXX XXXX account and associated inquiries. 

f the account is no longer owned by XXXX, Equifax must verify why this account remains on my credit report. 

Hard Inquiries : The hard inquiries associated with this account and other entities remain on my credit file, even though no permissible purpose has been established. These inquiries should have been removed under [ 15 U.S.C. 1681b ] if they were unauthorized.

Failure to Address Discrepancies : Despite Equifaxs claim that this account is not reporting or has been addressed, I can still see the XXXX XXXX XXXX account and related inquiries on my credit report, demonstrating a lack of compliance and accuracy in resolving disputes. 
Reference to CFPB Action Against Equifax The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Equifax for systemic failures in handling consumer disputes, including : Failing to conduct thorough investigations. 
Reinserting inaccurate information. 
Relying on flawed processes that led to errors in consumer credit data. 
These systemic failures directly parallel my experience with Equifax in resolving this dispute. The CFPB 's lawsuit against Equifax highlights the urgency for Equifax to improve its processes and comply with federal laws, including the Fair Credit Reporting Act ( FCRA ). 

Fair Resolution Requested To resolve this matter, I am demanding the following : Immediate Removal of the XXXX XXXX XXXX Account : If Equifax can not provide detailed documentation proving the accuracy and ownership of this account, it must be removed immediately under [ 15 U.S.C. 1681i ( a ) ( 5 ) ].

Removal of Hard Inquiries : All hard inquiries associated with XXXX XXXX XXXX or other entities lacking permissible purpose must be deleted from my credit file. 
Provision of Supporting Documentation : Provide all evidence used to verify this account and related inquiries, including communications with XXXX XXXX XXXX or any relevant entities. 
Updated Credit Report : Send an updated credit report reflecting the removal of the account and inquiries. 
Assurance of Future Compliance : Provide assurance that Equifax will handle all future disputes in compliance with FCRA requirements, ensuring accurate and verified outcomes. 
Reference to Legal Action : Failure to resolve this matter promptly will result in filing complaints with the CFPB and pursuing legal remedies under [ 15 U.S.C. 1681n ] and [ 15 U.S.C. 1681o ] for willful and negligent violations of the FCRA.