Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute of Inaccurate Accounts and Inquiries Under FCRA To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( B ), and 1681e ( b ), I am formally disputing the accuracy and completeness of the following accounts and hard inquiries listed on my Equifax credit report. 

These items are either inaccurate, incomplete, unverifiable, or have no permissible purpose to remain on my report. I am demanding a reinvestigation not based on automated XXXXXXXX  systems, in compliance with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), which requires a reasonable investigationnot a mere automated process. 


Accounts in Dispute Please reinvestigate and verify the following accounts. If full verification can not be obtainedincluding all underlying documentationthese accounts must be deleted immediately as required by FCRA : XXXX Account Number : XXXX XXXX XXXX  XXXX  Account XXXX : XXXX XXXX XXXX  Account Number : XXXX These accounts are either inaccurate or unverifiable. If you are unable to provide documentation directly from the data furnishers that validates their accuracy, they must be deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 


Unverified or Obsolete XXXX Inquiries The following hard inquiries appear on my report and are either unauthorized, stale, or lack permissible purpose under FCRA 1681b. Please remove them immediately : Miltons Institutional XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Under FCRA 611 ( a ) ( 1 ) ( A ), I am requesting a proper reinvestigation of each inquiry. If any of these inquiries can not be fully verified with a documented and lawful permissible purpose, they must be permanently deleted.

Legal Requirements for Compliance Under FCRA 611 ( a ) ( 5 ) ( B ), any item that is deleted following reinvestigation must not be reinserted into my file unless Equifax receives certified evidence of its accuracy from the original data furnisher. You are also required under FCRA 611 ( d ) to notify any XXXX XXXX who have accessed my credit file in the past XXXX months of any deletions or corrections. 

In addition, I demand a full written explanation of the reinvestigation process, including : Names and contact info of data furnishers Summary of all documents relied upon Date and method of verification Enclosures : Copy of Government-Issued ID Proof of Current Address ( utility bill or bank statement ) I expect your full compliance and a written response within the timeframe mandated by the FCRA. Should you fail to conduct a lawful and reasonable investigation, or if these inaccurate items remain on my report without proper verification, I am prepared to pursue all legal remedies available to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief