Consumer complaint received 2025-03-05 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:
Subject : Request for Removal of Negative Information from My Credit Report Dear Sir/Madam , Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am formally disputing and demanding the immediate removal of inaccurate and harmful information contained in my credit report.

1. DISPUTE OF NEGATIVE ACCOUNTS - EXPERIAN My Experian credit report contains incorrect and potentially damaging information. Under the FCRA, all reported information must be accurate, verifiable, and fair. The following accounts must be investigated and removed immediately : XXXXXXXX XXXX ( Account # XXXX ) - Reports 30 and 60-day late payments. I demand validation of these reports. If you can not verify them, they must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) - Reports late payments in XXXX and XXXX. I demand proof of these payments. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX ) - Reports late payments. I demand immediate removal or documentary validation.

If you fail to provide full evidence within 30 days, the law requires you to remove these items from my record. 
2. REQUEST FOR DEBT VALIDATION - XXXX XXXX [ To the Debt Validation Department at XXXX XXXX  ] I am demanding, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, a full validation of the alleged debt reflected in my account. By law, you are required to provide detailed and verifiable evidence of the validity of the reported charges, including : A copy of the original contract with my signature. 
Detailed payment records and proof of the alleged late payments. 
The name and contact information of the person responsible for reporting the negative information. 
If you fail to comply with these requirements within 30 days, the information must be removed immediately. 
XXXX. REQUEST FOR REMOVAL OF UNAUTHORIZED HARD INQUIRIES My report shows XXXX recent hard inquiries that I did NOT authorize. Under the FCRA, any unauthorized credit inquiry is a violation of my rights and must be removed immediately. I demand the removal of : XXXXXXXX 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 XXXX XXXX  ) Any unauthorized use of my credit information is subject to legal action, including civil lawsuits and complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

4. LEGAL WARNING If this dispute is not resolved within 30 days, I will proceed with the following legal actions : File a formal complaint with the CFPB and FTC.

Assess legal action for non-compliance with the FCRA and FDCPA.

Seek legal counsel to file a lawsuit against your entity for financial and emotional damages.

I expect a written response with the resolution of this case no later than 30 days from the date of receipt of this letter.

Sincerely,

Company response to consumer: Closed with non-monetary relief