Consumer complaint received 2025-11-05 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:
This letter is a formal complaint and demand for immediate deletion and correction of inaccurate, contradictory, and unauthorized information that continues to appear on my Equifax credit file. 
I am disputing the inaccurate and unverifiable information currently reported by Equifax regarding my XXXX  XXXX XXXX account and multiple unauthorized credit inquiries listed below. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax is legally obligated to conduct a reasonable reinvestigation of all disputed information and to provide me with a description of the procedures used to verify the accuracy of such information. If Equifax is unable to verify it, the information must be deleted immediately. 
Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy, and 15 U.S.C. 1681 ( a ) ( 4 ) requires that credit reporting agencies maintain the highest level of accuracy and confidentiality in all consumer information they handle. 
At this time, I have been unable to file an official FTC Identity Theft Report due to the temporary closure of federal systems, but I have attached a sworn affidavit explaining the circumstances and identifying the false and unauthorized information. This affidavit serves as formal documentation of my dispute and my demand for immediate corrective action under federal law. 

DISPUTED ACCOUNT INFORMATION Creditor / Furnisher : XXXX  XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/year> Reported Status ( Equifax ) : Closed / Paid {$0.00} Balance Inaccuracy Identified : Equifax is reporting Payment after charge-off / collection even though the account shows Canceled by credit grantor and a {$0.00} balance. 
This is contradictory and misleading. A closed and paid account can not simultaneously be reported as delinquent or charged off. This violates 15 U.S.C. 1681s-2 and 1681e ( b ) Equifax has failed to ensure maximum possible accuracy. 



UNAUTHORIZED CREDIT INQUIRIES ( EQUIFAX ) XXXXUnauthorized inquiry no credit application made or consent provided. 
XXXX XXXX XXXX XXXX Unauthorized auto-dealer inquiry no permissible purpose. 
XXXX XXXX  XXXX Unauthorized dealer inquiry. 
XXXX XXXXUnauthorized credit pull without consent. XXXXUnauthorized inquiry no permissible purpose. 
XXXX XXXX XXXX XXXX Unauthorized inquiry without consent. 
XXXX XXXX XXXX XXXXXXXXUnauthorized inquiry without consent. 
Each of these inquiries was unauthorized. I never applied for credit or granted permission for these institutions to access my consumer file. 
Under FCRA 604 ( a ), credit reporting agencies may only provide consumer reports for lawful, permissible purposes. The appearance of these inquiries constitutes unauthorized access to my personal and financial information and a violation of my privacy rights under federal law. 

LEGAL VIOLATIONS FCRA 611 ( 15 U.S.C. 1681i ) : Failure to reinvestigate disputed information.

FCRA 604 ( 15 U.S.C. 1681b ) : No permissible purpose for obtaining or furnishing reports.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Duty to block unverifiable or identity-theft-related information within 4 business days.

FCRA 607 ( b ) : Failure to maintain procedures ensuring maximum possible accuracy.

FCRA 1681n & 1681o : Civil liability for willful and negligent violations.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : Violation of consumer financial privacy protections.

18 U.S.C. 1028A : Criminal liability for identity theft and misuse of identifying information.

Equifaxs continued reporting of contradictory and unauthorized data demonstrates a systemic failure to comply with these laws and exposes the company to civil and regulatory enforcement. 

DEMAND FOR IMMEDIATE ACTION I hereby demand that Equifax : Immediately delete or permanently correct the inaccurate XXXX  XXXX XXXX account and all related derogatory data. 
Remove all unauthorized inquiries listed above from my Equifax consumer file. 
Provide written confirmation that the disputed data has been permanently deleted and will not be reinserted without full certification and documentation under FCRA 611 ( a ) ( 5 ) ( B ). 
Provide copies of all verification documents, records, or communications relied upon in maintaining or reinserting any of the disputed information. 
Conduct a complete reinvestigation into this matter as supported by the affidavit provided.

Company response to consumer: Closed with explanation