Consumer complaint received 2025-08-24 00:00:00
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.
State: FL

Complaint narrative:
[ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Date : [ XX/XX/XXXX ] To : CFPB Subject : Cease and Desist Unauthorized or Inaccurate Credit Reporting To Whom It May Concern '' I am writing to formally request that you cease and desist all activities related to the reporting of the alleged account or debt listed below to any credit reporting agencies : * Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX  XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX * Inquiry date * XX/XX/XXXX * Removal date * XX/XX/XXXX This account has been reported to one or more credit bureaus and is causing substantial harm to my credit profile. I dispute the accuracy and/or validity of this item. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ), I demand that you : 1. Immediately stop reporting this account to any credit bureau ( s ) until you provide documentation validating the debt, including a signed agreement or original documentation proving liability. 
2. Cease all communication with me regarding this matter except to provide proper validation of the debt or confirmation of removal from my credit report.

3. If you are unable to validate the debt or confirm its accuracy, promptly instruct all credit reporting agencies to delete this entry.

Please treat this letter as a formal notice of dispute. Continued reporting of inaccurate, unverifiable, or disputed information may constitute a violation of federal and state consumer protection laws and will be documented for potential legal action. 
This letter is being sent via [ Certified Mail/Email/Fax choose one ] , and a copy has been retained for my records.

I expect written confirmation of your compliance within 30 days of the date of this letter. Failure to do so will leave me no choice but to pursue further remedies, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or taking legal action. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation