Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and have identified multiple entries suggesting that I may have owed certain debts or obligations. However, your records fail to provide any verifiable evidence or legally sufficient documentation to support these claims. Therefore, I am formally disputing and demanding the permanent DELETION of all unsubstantiated inquiries and derogatory data you are reporting, as outlined below. 

I hereby DEMAND that you immediately DELETE all items that are lacking : Full and complete documentation establishing a legally binding contract with my signature Valid permissible purpose under FCRA 1681b Complete Metro 2 Compliance reporting, as required under CDIA guidelines Full compliance with 15 USC 1692 ( FDCPA ), 15 USC 1681 ( FCRA ), and any applicable federal/state consumer protection laws Specifically, I am challenging the following inquiries as UNAUTHORIZED and INVALID : Inquiries Challenged - Batch 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 XXXXXXXX As per FCRA 611 ( 15 USC 1681i ), you are obligated to conduct a full reinvestigation and furnish me with verifiable documentary evidence for each claim. Failure to do so within 30 days constitutes willful non-compliance. Further, under FCRA 1681b ( a ), these inquiries require provable permissible purpose with my direct authorization, which you do not possess.

Additionally, as per FCRA 1681a and 1681i ( a ) ( 5 ), any item that has been previously removed can not be reinserted without full disclosure to me within five ( 5 ) business days. You have failed to provide such notification, which represents yet another violation.

I also hereby invoke my rights under FDCPA 1692e ( 8 ), which prohibits the communication of false credit information known or that should be known to be false. This includes your failure to communicate that these debts and inquiries are in active dispute. Each separate violation carries liability of up to {$1000.00} per incident. 

If you can not produce full legally sufficient evidence, you are required to : DELETE all disputed entries entirely Issue an updated copy of my corrected credit report Provide written confirmation of your compliance Failure to fully comply within 20 calendar days from receipt of this notice will leave me no choice but to escalate this matter to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), Office of the State Attorney General, and pursue all available civil remedies including but not limited to financial penalties, statutory damages, attorneys fees, and injunctive relief. 

This letter serves as formal notice that any continued reporting of unverifiable, inaccurate, or incomplete information constitutes knowing and willful violations of my federally protected consumer rights. You are now on notice.

Company response to consumer: Closed with non-monetary relief