Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Phone Number : ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute & Demand for Immediate Deletion of Fraudulent, Inaccurate, and Unverifiable Information from My Credit Report To Whom It May Concern, I am writing to dispute multiple unauthorized, fraudulent, and inaccurate accounts, inquiries, and personal identifiers that appear on my XXXX  credit report. This information is either : Not mine, Resulting from identity theft or fraud, Inaccurate or outdated, Unverifiable, or Reported in violation of federal law. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, you are legally required to ensure the maximum possible accuracy of the data you furnish, and to promptly delete or correct any information that is found to be inaccurate, incomplete, or can not be verified. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), if after reinvestigation any item is found to be unverifiable or inaccurate, it must be permanently deleted. Per 15 U.S.C. 1681s-2 ( a ), data furnishers are also prohibited from reporting information they know or have reasonable cause to believe is inaccurate. 

I formally dispute the following accounts, inquiries, and identifiers : Fraudulent or Unverifiable Accounts ( Demand Immediate Deletion ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Dispute due to inaccurate reporting and unverifiable payment history ) DEMAND FOR ACTION : I request that XXXX  : Immediately delete all the accounts, inquiries, addresses, and employment information listed above from my credit file, as they are either fraudulent, inaccurate, or unverifiable. 

Complete your reinvestigation within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Provide me with a written confirmation of deletions and an updated copy of my full credit report. 

Provide the method of verification for any item you choose not to delete, including the name, address, and phone number of the furnisher, as required under the law. 

If you fail to fully investigate or remove unverifiable and inaccurate information within 30 days, I will pursue additional legal remedies including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Filing a complaint with the Federal Trade Commission ( FTC ) Contacting the State Attorney Generals office Pursuing civil action under 15 U.S.C. 1681n and 1681o, which entitles me to actual damages, statutory damages, punitive damages, and attorneys fees This is my formal notice of dispute under the FCRA and related laws. Please consider this letter as my good faith effort to resolve these issues amicably and without litigation. 

Sincerely, XXXX XXXX Instructions : XXXX ). 

Included : A copy of your government-issued ID A copy of a recent utility bill or bank statement for address verification

Company response to consumer: Closed with non-monetary relief