Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
NOTICE OF DISPUTE OF UNAUTHORIZED INQUIRIES & INACCURATE DATA XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX TO : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX RE : FORMAL NOTICE OF DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT AND UNAUTHORIZED CREDIT INQUIRIES AND INCORRECT PERSONAL IDENTIFIERS URGENT ACTION REQUIRED To Whom It May Concern, This letter is a formal and final demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681b ( c ), UCC 1-103, and relevant federal case law for the immediate deletion of ALL unauthorized inquiries and incorrect identifying information reflected on my credit report.

I have reviewed my credit file and discovered numerous unauthorized hard inquiries, inaccurate name variations, employer entries, and addresses that are not connected to me in any legal, residential, or professional capacity. The inclusion of these entries constitutes gross negligence, defamation of character, and a violation of my federally protected rights.

I. FALSE EMPLOYER ENTRIES : Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) of the Fair Credit Reporting Act, credit reporting agencies must ensure that employment information is accurate and verifiable, and remove any false or unverified employer data upon notice of dispute. Reporting false employment constitutes material misrepresentation, and under UCC 1-103 ( a ), reflects a lack of good faith and fair dealing, making the agency liable for statutory damages and reputational harm.

I demand the immediate deletion of these inaccurate employers within 4 days BRIX CAPITAL ( incorrect employment never worked there DELETE IMMEDIATELY ) CORRECT EMPLOYER : THE XXXX XXXX XXXX. Removal of Unauthorized and Inaccurate Accounts on Credit Report : Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) of the Fair Credit Reporting Act, credit bureaus must report only accurate and verifiable account information ; listing an authorized user account without the consumers consent or benefit is a violation of this duty. If not removed upon dispute, such reporting constitutes willful noncompliance and, under UCC 1-103 ( a ), may be treated as fraud or misrepresentation, exposing the agency and data furnisher to civil liability for actual, statutory, and punitive damages. 
I demand the immediate deletion of these accounts within 4 days. 
XXXX XXXX XXXX ACCT # XXXX * * * * ( Incorrect, Not Mine, DELETE IMMEDIATELY ) XXXX XXXX -ACCT # XXXX * * * * ( Incorrect, Not Mine, DELETE IMMEDIATELY ) XXXX XXXX XXXX XXXX- ACCT XXXX XXXX * * * * ( Incorrect, Not Mine, DELETE IMMEDIATELY ) III. UNAUTHORIZED CREDIT INQUIRIES : The following companies have placed inquiries on my credit file without my knowledge, benefit, or written consent in violation of FCRA 1681b and Regulation B ( 12 CFR 1002.2 ( l ) ) as required by FCRA 604 ( a ) ( 3 ) and must be removed : I demand the immediate deletion of these unauthorize inquires within 4 days. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without permissible purpose under 15 U.S.C. 1681b, and were not initiated, consented to, nor of any benefit to me. Furthermore, allowing such entities access to my consumer file without a bona fide credit transaction or authorization constitutes willful noncompliance with federal law ( see Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) ).

DEMAND FOR RELIEF : I demand the following within four ( 4 ) business days of receipt of this letter : 1. Delete all 33 unauthorized inquiries listed above.

2. Delete all unauthorized accounts.

3. Delete all unauthorized and incorrect employer records.

4. Written confirmation of deletions and a new copy of my corrected credit file.

Failure to act will be deemed willful noncompliance under the FCRA, subjecting your bureau and its data furnishers to civil liability under 15 U.S.C. 1681n and 1681o, including statutory, punitive, and actual damages.

This letter also serves as a Notice of Dispute under 15 U.S.C. 1681i, placing your agency on legal notice to reinvestigate each dispute item and correct the disputed items within the timeframe permitted by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief