Consumer complaint received 2025-07-23 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: AR

Complaint narrative:
On XX/XX/XXXX, I wrote to Equifax : To Whom It May Concern, This letter serves as a formal complaint regarding the reporting of inaccurate and incomplete credit information by your organization.

In accordance with the Fair Credit Reporting Act, specifically Section 609 ( a ) ( 1 ) ( A ), it is mandatory under federal law for you to verify the authenticity of any and all accounts that you include in a credit report. This verification process necessitates the physical confirmation of the original signed consumer contract. Neglecting this requirement opens the possibility of fraudulent accounts being submitted via fax, mail, or email, which could be detrimental to individuals who rely on your reporting services. 

I insist on receiving tangible evidence ( such as an original consumer contract bearing my signature ) that you have on record for the mentioned account. 

Your failure to adequately authenticate these accounts has adversely affected my ability to obtain credit. According to the FCRA, unverifiable accounts must be removed. If you are unable to furnish verifiable proof, you are obligated to delete the account specified below. 

I demand an immediate verification or removal of the following account : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry from my credit report! 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry from my credit report! 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry from my credit report! 
4. The inquiry was not authorized XXXX  Date of inquiry : 10/10/2023 Delete this unauthorized inquiry from my credit report!

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry from my credit report! 
6. This account is inaccurate and incomplete because information listed on all XXXX credit bureaus does not match. 
XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Delete this account from my credit report! 
7. This account is inaccurate and incomplete because information listed on all XXXX credit bureaus does not match. How can I have a balance/past due and a payment status of collection/chargeoff? 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Delete this account from my credit report! 
8. This account is inaccurate and incomplete because information listed on all XXXX credit bureaus does not match. How can I have a balance/past due and a payment status of collection/chargeoff? 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Delete this account from my credit report! 
9. This account is inaccurate and incomplete because information listed on all XXXX credit bureaus does not match. How can I have a balance/past due and a payment status of collection/chargeoff? 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Delete this account from my credit report! 
10. This account is inaccurate and incomplete because information listed on all XXXX credit bureaus does not match. 
XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Delete this account from my credit report! 
11. This account is inaccurate and incomplete because information listed on all XXXX credit bureaus does not match. How can I have a balance/past due and a payment status of collection/chargeoff? 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Delete this account from my credit report! 
Furthermore, kindly eliminate all non-account holding inquiries that are older than 30 days. Additionally, please apply a promotional suppression to my credit file. 
Under federal law, you have a period of XXXX ( XXXX ) days to complete the reinvestigation. Please be aware that I also request a description of the procedure employed to determine the accuracy and completeness of the information. This description should be provided within fifteen ( XXXX ) days after the completion of the reinvestigation.

Company response to consumer: Closed with non-monetary relief