Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information contained in my Equifax credit report, dated XX/XX/XXXX, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and in accordance with the Consumer Financial Protection Bureau ( CFPB ) guidelines and the XXXX XXXX format standards for credit reporting. The specific items in question are the credit inquiries listed under the " Inquiries '' section, which include the following : 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 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  Grounds for Dispute Under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. Additionally, CFPB guidelines emphasize that credit reporting agencies must ensure the maximum possible accuracy of reported data ( 12 C.F.R. Part 1022 ). The Metro 2 format, as the industry standard, requires precise reporting of inquiry data, including proper authorization and verification. 

I assert the following issues with the listed inquiries : Unauthorized or Unrecognized Inquiries : I do not recall authorizing inquiries from [ XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on the specified dates. Unauthorized inquiries may violate FCRA Section 604 ( 15 U.S.C. 1681b ), which limits permissible purposes for accessing credit reports. 
Duplicate Entry : The duplicate listing of " XXXX XXXX '' ( dated XXXX ) appears to be an error, contravening Metro 2 standards for unique reporting of inquiries. 
Verification Concerns : I request proof that each inquiry was made with my consent and for a permissible purpose, as required by FCRA Section 609 ( 15 U.S.C. 1681g ).

Request for Action Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I demand that Equifax : Conduct a thorough investigation into the accuracy of the disputed inquiries within 30 days of receipt of this notice. 
Remove or correct any inaccurate, incomplete, or unverifiable information, including the duplicate entry for XXXX XXXX. 
Provide me with a written response detailing the results of your investigation, including any updates to my credit file, as required by FCRA Section 611 ( a ) ( 6 ).

Furnish corrected information to all entities that have received my credit report in the last six months ( or two years for employment purposes ) per FCRA Section 611 ( e ). 
Supporting Documentation I have enclosed a copy of my identification and the relevant pages of my Equifax credit report for your reference. Please do not reproduce this information beyond what is necessary to process my dispute. 

Warning of Non-Compliance Failure to comply with the FCRA and CFPB guidelines may result in legal action, as I am entitled to seek damages under FCRA Section 616 ( 15 U.S.C. 1681n ) for willful noncompliance or Section 617 ( 15 U.S.C. 1681o ) for negligent noncompliance. 

Please direct all correspondence to the address listed above. I look forward to your prompt resolution of this matter. 

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation