Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Dispute of Inquiries, Late Payments, and Negative Items under the FCRA & UCC Dear Equifax Disputes Department, I am writing to formally dispute multiple unauthorized and inaccurate entries currently listed on my credit report dated XX/XX/XXXX. These include : Hard Inquiries made without my authorization Late payments and charged-off accounts resulting from compromised information due to the Equifax data breach of XXXX Additional unverifiable and outdated negative items XXXX. Inquiries Without Authorization Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency may only furnish a report if the consumer initiates the transaction. I am requesting the immediate deletion of the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Any inquiry associated with XXXX XXXX XXXX XXXX or XXXX XXXX  not directly authorized by me These inquiries were made without my knowledge or consent and must be removed under FCRA 1681b and 1681n. 

XXXX. Accounts Affected by the XXXX Equifax XXXX XXXX Equifax confirmed a data breach in XXXX, affecting approximately XXXX XXXX individuals. I assert that some derogatory entries in my file stem from identity compromise resulting from this breach, which includes : 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 ) These accounts contain charge-offs, late payments, or negative remarks from XXXX, inconsistent with my credit behavior and indicative of compromised use. 

3. Late Payments and Charge-Offs Legal Basis for Removal Pursuant to : FCRA 1681i ( a ) ( 1 ) ( A ) You must investigate and delete information that can not be verified within 30 days FCRA 1681e ( b ) Equifax must maintain maximum possible accuracy 15 U.S. Code 1681c ( a ) ( 4 ) - ( 5 ) Obsolete information such as accounts placed for collection more than 7 years ago must be removed UCC 3-501 Asserts my right to demand validation of alleged debts Because the information is either inaccurate, unverifiable, or stems from the Equifax breach, I am formally requesting : The deletion of all negative payment history and charge-offs listed above The removal of unauthorized inquiries The reinvestigation and suppression of any unverifiable accounts or items associated with ID theft or breach activity 4. Supporting Documentation Enclosed with this letter are : A copy of my Equifax credit report dated XX/XX/XXXX A copy of my government-issued ID for address verification Please consider this letter as a formal dispute and reinvestigation request under FCRA 611 [ 15 U.S.C. 1681i ]. I expect resolution within 30 days as mandated by law. If the disputed items can not be verified, they must be permanently deleted. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief