Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Re : Dispute of Inquiries on Credit Report - Account Number : [ Your Account Number ] Dear Equifax Dispute Department XXXX I am writing to formally dispute several inquiries listed on my Equifax credit report. These inquiries were made without my consent, and I request that they be investigated and, if found to be invalid, removed from my credit report as per the Fair Credit Reporting Act ( FCRA ) Section 604. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify any and all accounts you post on a credit report through the physical verification of the original signed consumer contract. Failure to do so could result in the inclusion of fraudulent accounts, which may adversely impact my ability to obtain credit. 

The following inquiries are the subject of my dispute : 1. XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX - Business Type : All Banks - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Type : By mail only - Scheduled to continue on record until XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX - Business Type : All Banks - Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Inquiry Type : By mail only - Scheduled to continue on record until XX/XX/XXXX XXXX. XXXX - Inquired on XX/XX/XXXX - Business Type : XXXX XXXX XXXX XXXX XXXX 
- Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Inquiry Type : By phone ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX - Business Type : XXXX & XXXX - Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Type XXXX By mail - Scheduled to continue on record indefinitely ( no removal date provided ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXBusiness Type : All Banks Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Inquiry XXXX : By mail Only Scheduled to continue on record until XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : All Banks Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX : By mail Only Scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX, XXXX Type : XXXX XXXX XXXX XXXX.Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Type : By phone ( XXXX ) XXXXXXXXScheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Type : By phone ( XXXX ) XXXX Scheduled to continue on record until Indefinitely ( no removal date provided ) XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : All Banks Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Type : By mail Only Scheduled to continue on record until XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Type : All Banks Address : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Inquiry Type : By mail Only Scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXAddress : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXInquiry Type : By phone ( XXXX ) XXXX Scheduled to continue on record until XX/XX/XXXX Please conduct a thorough investigation into these inquiries and provide me with the results of your findings. I request physical verification of the original signed consumer contracts associated with each inquiry. If you are unable to provide verifiable proof for any of the inquiries listed, I demand their immediate removal from my credit report. 

Thank you for your attention to this matter. I anticipate a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX