Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Last 4 of SSN Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX  Re : Formal Demand for Immediate Investigation and Permanent Deletion of Unverifiable, Inaccurate, and Unauthorized Information Under FCRA To Whom It May Concern : This letter serves as a formal and legally binding dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, regarding inaccurate, outdated, and unverifiable information currently appearing on my credit file. I am asserting my rights under 15 U.S. Code 1681i, 1681e ( b ), 1681b, and 1681c, and I demand that you permanently delete the disputed items listed below in full compliance with federal law. 
According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed item within 30 days of receiving a consumers notice of dispute. Furthermore, any item that can not be verified under this provision must be immediately and permanently deleted from my credit report.

Disputed Items 1. [ Creditor Name ] XXXX XXXX XXXX XXXXXXXX : This account is inaccurate and unverifiable. 
2. [ Collection Agency ] EQUIFAX : The reporting is materially misleading and not validated. 
3. Hard Inquiry XXXX  on XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  : These inquiries were made without my explicit written authorization and thus constitutes a violation under 15 U.S. Code 1681b ( c ) ( 1 ) ( A ). 
I remind you that under FCRA 1681b, a hard inquiry requires a permissible purpose and prior consent. Any inquiry appearing on my report without documentation proving my authorization is illegal and must be removed. This is non-negotiable. 
Furthermore, I invoke FCRA 1681e ( b ), which requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. The presence of these inaccurate and outdated entries clearly violates this obligation. You are now on notice and must remedy this failure without delay. 
Additionally, under FCRA 1681c, negative information such as collections and late payments must be removed after 7 years, and bankruptcies after 10 years. If any item on my credit report violates this statute of limitations, it must be removed immediately.

My Demands : Provide a full reinvestigation into each disputed item. 
Permanently delete any unverifiable, outdated, or inaccurate information. 
Delete all unauthorized hard inquiries not supported by my signed consent. 
Provide written confirmation of the results of your investigation within 30 days, as required by law. 
Provide a new, corrected copy of my credit report. 
Failure to comply with the above demands will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am prepared to pursue all legal remedies available to me, including civil litigation under FCRA 1681n and 1681o, which allow for actual damages, statutory damages, punitive damages, and attorneys fees.

This letter is written in good faith and I expect full compliance under the law. No boilerplate responses or stall tactics will be accepted. You have been officially placed on notice. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief