Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Dispute Immediate Removal of Inaccurate and Unauthorized Accounts & Inquiries To Whom It May Concern, I am formally disputing the inaccurate and unauthorized accounts and inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am demanding the immediate and permanent deletion of these items as they are erroneous, unverifiable, and unauthorized. 
Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable investigation when a consumer disputes inaccurate information. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the accuracy and integrity of the information they report. Failure to permanently delete these accounts and inquiries within 5 days will result in immediate legal escalation for damages.

These accounts contain inaccuracies and must be permanently deleted under 15 U.S.C. 1681s-2 ( b ), which requires furnishers to report only accurate information. 
Disputed Accounts on Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts must be permanently deleted under 15 U.S.C. 1681s-2 ( b ) as they are either inaccurate or unverifiable.

Unauthorized Hard Inquiries : Under 15 U.S.C. 1681b ( a ) ( 2 ), I did not provide written authorization for the 12 hard inquiries on my report, and I demand their immediate and permanent deletion. 
Legal Notice and Deadline for Resolution : Recent legal actions against XXXX highlight the importance of compliance : The CFPB sued XXXX for conducting sham investigations into consumer disputes, failing to properly verify information, and allowing previously deleted errors to reappear on credit reports. 
( Source : CFPB ) These violations demonstrate a pattern of noncompliance, and I am prepared to take legal action if my dispute is not resolved. 

Failure to permanently delete these inaccuracies and unauthorized entries within 5 days of receiving this letter will result in immediate legal action. I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), file complaints with the Federal Trade Commission ( FTC ) and the Attorney General and initiate legal proceedings for damages under 15 U.S.C. 1681n and 1681o. 
I expect confirmation that these accounts and inquiries have been permanently deleted. Upon completing your investigation, mail me a revised copy of my credit report reflecting these removals. 
This is a formal and final demand before legal escalation. Failure to act immediately will result in financial liability for willful noncompliance with the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief