Consumer complaint received 2025-05-12 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Court Date of Birth : XX/XX/XXXX SSN : * -- XXXX XX/XX/XXXX RE : CONTINUED REPORTING OF INACCURATE & UNVERIFIED INFORMATION FORMAL FOLLOW-UP DISPUTE To Whom It May Concern, This is a formal follow-up to a previously submitted dispute regarding inaccurate and unverified items that remain on my TransUnion credit report. You are required by law under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX, to conduct a thorough and reasonable reinvestigation. Your prior response failed to address my dispute adequately, and the continued reporting of these items now constitutes a willful violation. 
Unresolved Account in Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$3500.00} Issue : This account continues to report late payments, yet no documentation has been provided to confirm its accuracy or validity. I have not received an original contract, billing history, or verification of the alleged delinquencies. If this information can not be fully substantiated, it must be removed immediately under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Disputed Inquiries Lack of Authorization The following hard inquiries were not authorized and were never initiated by me. Under FCRA XXXX XXXX XXXX XXXX you are required to ensure that all inquiries on a consumers credit file are supported by a permissible purpose and documented consumer consent : 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  You are obligated to provide evidence that I gave written consent for each of the inquiries above. If such documentation can not be produced, these inquiries must be deleted promptly. 
Legal Framework This dispute is being submitted pursuant to the following consumer protection statutes and federal guidance : Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX. XXXX Consumer Financial Protection Bureau ( CFPB ) regulations Federal Trade Commission ( FTC ) enforcement standards You are required to provide a meaningful investigation and either correct or delete any unverifiable or inaccurate information within 30 days. 
XXXX Actions Required XXXX. Delete the XXXX XXXX XXXX  account if not fully validated. 
XXXX. Remove all disputed inquiries that lack proper documentation. 
XXXX. Provide written proof for any item you choose to keep on my report, including original contracts and inquiry authorizations. 
Notice of Escalation A complaint is being prepared for submission to the CFPB, FTC, and XXXX XXXX XXXXXXXX XXXX for failure to properly respond to a documented dispute. If these items are not resolved within XXXX calendar days, I will pursue further regulatory and legal actions, including civil remedies under XXXX XXXX. XXXX. 
Do not respond with generic templates. This is a formal legal notice and requires your full attention and compliance. 
Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal File

Company response to consumer: Closed with non-monetary relief