Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Reporting and Unlawful Inquiry To Whom It May Concern, I am writing to formally dispute inaccurate and unlawful information appearing on my TransUnion and Equifax credit reports. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting an immediate investigation and removal of the following erroneous and unauthorized entries : XXXX. XXXX XXXX - Unlawful Reporting of a Charge-Off Creditor : XXXXXXXX XXXX Date Added to Report : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Credit Bureaus Affected : TransUnion, Equifax Per FCRA 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ( a ) ( 4 ) ), derogatory accounts, including charge-offs, may not be reported for more than seven years plus 180 days from the date of first delinquency. Since the original charge-off occurred on XX/XX/XXXX, the reporting period expired in XX/XX/XXXX. Therefore, this account should have been permanently deleted and its reappearance is a clear violation of federal law. 
I demand the immediate removal of this outdated and inaccurate entry from my credit reports. 
2. XXXX XXXX - Unlawful Hard Inquiry on Equifax Date of Inquiry : XX/XX/XXXX Credit Bureau Affected : Equifax XXXX XXXX made an unauthorized inquiry on my XXXX report without my express written consent, violating FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ). Since I did not apply for credit, authorize, or initiate any business transaction with XXXX XXXX, they had no permissible purpose to access my credit report. 
As per FCRA 604 ( c ) ( 3 ), a hard inquiry requires my explicit authorization, which was never provided. This constitutes a violation of my rights, and I demand the immediate removal of this inquiry from my Equifax credit report. 
Action Requested Pursuant to FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I formally request : 1. The immediate deletion of the unlawfully reinserted charge-off from my TransUnion and Equifax credit reports. 
2. The immediate deletion of the unauthorized Equifax inquiry from my report. 
3. Written confirmation of these removals within 30 days, as required by the FCRA. 
Notice of Intent to File Complaint If these inaccurate and unlawful entries are not removed within the 30-day timeframe, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am prepared to seek legal remedies, including statutory damages for willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ). 
Attachments I have enclosed copies of my credit report with the disputed items highlighted. 
Please investigate and correct these violations immediately. I look forward to your written confirmation of these deletions. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief