Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
This serves as a formal complaint, reinvestigation request, and pre-litigation notice under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), Equal Credit Opportunity Act ( ECOA ), and all related federal and state statutes. Your continued reporting of unauthorized inquiries, inaccurate personal identifiers, and unverifiable information constitutes willful noncompliance under 15 U.S.C. 1681 et seq., violating your duty to maintain maximum possible accuracy. I am demanding immediate deletion and correction of the following unauthorized and inaccurate data appearing on my consumer credit file : XXXXXXXX XXXX XXXX XX/XX/year> : This inquiry was not authorized by me and has no permissible purpose under FCRA 604 ( a ). I never applied for credit, financing, or any service with XXXX XXXX XXXX, nor did I provide written or electronic consent for this inquiry. As a confirmed Equifax Data Breach victim with active fraud alerts placed with all three credit bureaus, any inquiry resulting from identity theft must be blocked or deleted under FACTA 1681c-2. This inquiry was also referenced in my CFPB filings ( XXXX IDs XXXX, XXXX, XXXX ) documenting repeated bureau failures to suppress impermissible inquiries after multiple disputes. Reporting this inquiry after those federal filings violates FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ) ( B ) for reinsertion of unverifiable data. If XXXX XXXX XXXX can not produce signed, timestamped proof of my authorization, this inquiry must be permanently deleted under FCRA 604 ( a ) ( 3 ) and 607 ( b ). 

XXXX XXXX XX/XX/year> : This inquiry was not authorized by me. I never applied for credit, vehicle financing, or any product with this dealership or its affiliates, and no consent for a credit pull was ever provided. Reporting this inquiry violates FCRA 604 ( a ) ( 3 ) ( A ), which permits access to a consumer report only when initiated by the consumer or with explicit authorization. I am a confirmed Equifax Data Breach victim with active fraud alerts in place ; under FACTA 1681c-2, once identity theft is reported, any unverifiable inquiries must be blocked or deleted. This same entity is cited in CFPB filings XXXX and XXXX ( filed XX/XX/year> ), documenting multiple impermissible XXXX auto-dealer inquiries. Its continued appearance demonstrates failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) and reinsertion of unverifiable data without notice under 611 ( a ) ( 5 ) ( B ). 
XXXX XXXX XXXX XX/XX/year> : This inquiry was not authorized by me and lacks any permissible purpose under FCRA 604 ( a ). I did not initiate any application or grant authorization to this dealership. As an Equifax Data Breach victim with active fraud alerts, this unverifiable inquiry must be blocked or deleted under FACTA 1681c-2. Its continued reporting constitutes failure to reasonably reinvestigate under 611 ( a ) ( 1 ) and illegal reinsertion without the five-day notice required under 611 ( a ) ( 5 ) ( B ). 

XXXX XXXX XX/XX/year> : This inquiry was not authorized by me. I never applied for financing or services with this dealership, nor did I provide consent for a credit pull. Reporting this inquiry without a valid permissible purpose violates FCRA 604 ( a ) ( 3 ) ( A ). This same inquiry is explicitly cited in my CFPB filings ( XXXX IDs XXXX and XXXX ) filed on XX/XX/year>, as part of a broader pattern of unauthorized XXXX auto-dealer inquiries. Its continued appearance despite active federal review demonstrates failure to conduct a reasonable reinvestigation under 611 ( a ) ( 1 ) and reinsertion of unverifiable data under 611 ( a ) ( 5 ) ( B ).

Inaccurate Personally Identifiable Data ( PII ) : The following items are inaccurate and must be permanently deleted : XXXX XXXX XXXX XXXX XXXX I have never worked for, been associated with, or provided any employment information linking me to this entity. Reporting this unverifiable employer violates FCRA 607 ( b ), which requires maximum possible accuracy, and FCRA 611 ( a ), mandating deletion of unverifiable data. Under FACTA 1681c-2, any unverifiable data related to identity misuse must be deleted once reported by the consumer. This issue has already been documented in CFPB filings ( XXXX IDs XXXX, XXXX, and XXXX ), showing repeated failures to correct or delete unverifiable PII, constituting a violation of 611 ( a ) ( 1 ) and 623 ( a ) ( 1 ).

Billing Error and Late Payment Violation : Under 15 U.S. Code 1666 ( b ) ( 4 ) ( 5 ), the creditor failed to properly reflect a payment and committed an accounting error by reporting a late payment without proper notice. The creditor did not issue a billing statement 21 days before the alleged late payment, making the entry invalid. I demand full proof of payment records before any delinquency reporting. The following account must be corrected : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX inaccurately showing a 30-day late payment for XX/XX/year>. According to my CFPB filings ( XXXX IDs XXXX, XXXX, XXXX ), this tradeline was closed by XXXX XXXX due to inactivity, not delinquency. Reporting a 30-day late on a closed account violates Metro2 Field 17A Account Status integrity and FCRA 607 ( b ). The reappearance of this code after prior disputes constitutes unauthorized reinsertion under 611 ( a ) ( 5 ) ( B ). I demand this late payment be deleted and corrected to read Paid as Agreed Closed by Credit Grantor. 

These items constitute violations of FCRA 604 ( a ), 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 5 ) ( B ), FACTA 1681c-2, and FCBA 1666 ( b ). If you fail to delete or correct these inaccuracies, I will pursue legal remedies under 15 U.S.C. 1681n for civil liability due to willful noncompliance and append this evidence to my ongoing filings with the Consumer Financial Protection Bureau, State Attorney Generals Office, Federal Trade Commission, and XXXX XXXX XXXX I have enclosed identification and proof of address and demand written confirmation of all deletions and corrections within 30 days as required under the FCRA.

Company response to consumer: Closed with non-monetary relief