Consumer complaint received 2025-10-20 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:
Subject : Formal Dispute Under 15 U.S.C. 1681 Lack of Written Consent To Whom It May Concern, I am writing to formally dispute certain items that appear on my consumer credit report maintained by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific permissible purposes and generally only with the written consent of the consumer, particularly in cases involving credit or insurance.

Upon reviewing my credit file, I noticed that my information has been accessed or reported by entities to which I have never given written authorization or consent to furnish, access, or obtain my consumer report. 

Details of Disputed Entries : [ XXXX XXXX ] I am requesting that you : Provide proof of written authorization for the furnishing or obtaining of my consumer report by the listed entities. 

Immediately remove any information or inquiries from my credit file that were obtained or furnished without my written consent, in violation of 15 U.S.C. 1681b.

Send me a corrected copy of my credit report once this investigation is completed.

Under FCRA regulations, you are required to complete your investigation within 30 days of receipt of this letter. Please include the name, address, and phone number of any furnisher of information you contact regarding this dispute.

If you are unable to verify that written consent was provided, I expect the unverified information to be deleted from my credit report as required by law.

I have enclosed a copy of my government-issued ID and a recent utility bill to verify my identity.

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] If the inquiry or furnishing was not tied to a credit application or permissible purpose under the law, the bureau must investigate and remove it if they cant validate it. 

your rights under 15 U.S.C. 1681 and stating that you never gave written consent for them to obtain or furnish your credit information. 

[ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX, ca XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XXXX XXXX XXXX, XXXX XXXX ] [ XXXX, mn XXXX ] Subject : Formal Dispute Under 15 U.S.C. 1681 Unauthorized Reporting/Inquiry by XXXX XXXXXXXX. 

To Whom It May Concern, I am writing to dispute information appearing on my credit report related to XXXX XXXX  which I believe to be inaccurate and unlawfully furnished. I have not at any time provided written consent to XXXX  XXXX  to access, furnish, or report any information related to my consumer file, as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Disputed Entry : Company Name : XXXX XXXX Account Number : [ XXXX ] Date of Entry/Inquiry : [ XX/XX/year> ] Under 15 U.S.C. 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances, and written consent is required in many of those casesespecially when it relates to credit or collections. I have no record of any such consent or agreement with XXXX XXXX 

My Requests : Please provide documented proof of my written authorization allowing XXXX XXXXXXXX to access or furnish information to your credit bureau. 

If such proof can not be provided, I formally request the immediate deletion of this entry from my credit report in accordance with your obligations under the FCRA. 

Upon completion of your investigation, please provide me with an updated copy of my credit report reflecting any changes made.

Please consider this letter a formal dispute under 15 U.S.C. 1681i, which requires you to investigate disputed items within 30 days of receipt. If XXXX XXXX can not verify the legitimacy of the entry, it must be removed from my report. 

Attached are copies of my identification and proof of address for verification purposes. 

Thank you for your cooperation and prompt attention to this matter.

Company response to consumer: Closed with explanation