Consumer complaint received 2025-01-07 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:
Below is a tailored and formatted version of your letter XXXX XXXX XXXX [ Credit Reporting Agency Name ] [ Agency Address ] Subject : Immediate Removal of Fraudulent Inquiries Identity Theft Notice To Whom It May Concern : I am writing to formally dispute the presence of inaccurate and fraudulent information on my credit reports. Specifically, the following inquiries have been identified as fraudulent and must be removed immediately : Equifax Report Inquiries : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Category : XXXX XXXX  Contact : ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Category : Auto Financing Contact : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX Category : Credit Unions Contact : ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : XXXX XXXX, XXXX Category : Credit Unions Contact : ( XXXX ) XXXX XXXX Report Inquiries : XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Category : Banks XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Category : XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Category : Finance/Personal XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX Category : Automotive These inquiries are a direct result of identity theft, and I have attached the following documentation to substantiate my claim : XXXX. A copy of my FTC Identity Theft Report. 


XXXX. A copy of my government-issued ID. 


XXXX. Proof of address. 



Legal Basis for Removal : Pursuant to 15 U.S.C. 1681c-2 ( a ), I am formally requesting the immediate removal of all items associated with these fraudulent inquiries from my credit report. Under federal law, the credit reporting agency is obligated to block and remove any disputed information identified as stemming from identity theft within four business days of receiving sufficient documentation. 

Violations and Consequences : Failure to comply with this statutory obligation within the prescribed timeframe will constitute a breach of federal law, entitling me to pursue legal remedies, including damages of {$1000.00} per violation, as outlined in 15 U.S.C. 1692k. Specific infractions include, but are not limited to : XXXX. Defamation of Character : Reporting fraudulent information has caused significant harm to my reputation and financial standing. 


XXXX. Negligent Enhancement of Identity Fraud : Failure to promptly address this issue perpetuates the effects of identity theft. 


XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : Non-compliance with procedural safeguards under the FCRA. 


XXXX. Civil Liability for Negligent Non-Compliance ( 15 U.S.C. 1681o ) : Lack of due diligence constitutes actionable negligence. 


XXXX. Civil Liability for Willful Non-Compliance ( 15 U.S.C. 1681n ) : Deliberate disregard for federal requirements exacerbates harm caused. 


XXXX. Failure to Comply with Permissible Purposes for Reports ( 15 U.S.C. 1681b ) : Mismanagement of data violates permissible purposes under federal law. 


XXXX. Breach of Verification Standards ( 15 U.S.C. 1681i ( a ) ( 7 ) ) : Any verification method employed appears flawed and inadequate. 



Action Requested : I expect your immediate cooperation in resolving this matter by : XXXX. Removing the fraudulent inquiries and associated information from my credit report. 


XXXX. Issuing an updated credit report reflecting these corrections. 


XXXX. Providing written confirmation of the actions taken to resolve this dispute. 



Please be advised that failure to address this dispute will result in escalation to regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ), and potential legal action in small claims court to recover damages. 

Thank you for your prompt attention to this critical issue. I look forward to receiving confirmation of the corrective actions taken. 

Sincerely, XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief