Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I creviously fied a formal comolaint with the Federal Trade Commission ( FTC ) recardine unauthorized inuiries on my credit report. The reference number for that comolaint [ FTC Complaint Number XXXX ), filed on [ FTC Complaint Date XX/XX/XXXX XXXX XXXX XXXX XXXX My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 

Oue to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is wiry I filed a compiaint with the FTC. 

Details of Disputed Inquiries. Creditor 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 for Comelete nod XXXX XXXX ) XXXX, XXXX XXXX to XXXX that the use of this system does not replace thi obligation for a thorough investigation. The Consumer Financial Protection Bureau ( CFP8 ) has highlighted limitations in the EOSCAR system, indicating that its automated processes are insufficient in cases where accuracy depends on the verification of underlying documentation. Therefore, I request a manual review of these unauthorized inquiries and a full verification of the relevant documentation. 

Additionally, I specifically request any original application forms or other initial documents the creditors may have on file. This ensures that only responses based on primary documentation are considered and not merely automated confirmations generated through EOSCAR. 

In accordance with my rights under the fair Credit Reporting Act ( FCRA ), these inquiries violate the requirements for permissible purpose, verification, and information accuracy. Below, I outline the relevant FCRA provisions that Section 604 ( 15 U.S.C. 16816 ) - Permissible Purposes for Disclosing Credit Reports The FCRA allows credit reporting agencies to disclose consumer reports only under specific circumstances, such as a legitimate business need or a consumer-initiated transaction. Since I have not authorized these inquiries, I request their deletion as they do not meet the permissible purposes defined by this section.

Section 611 ( a ) ( S ) ( 15 U.S.C. $ 1681i ( a ) ( S ) ) - Handling of Inaccurate or Unverifiable Information This section stants me the richt to disoute any inaccurate, incomplete, or unverifiable information in my report, The FCRA recuires crede bureaus to delete any unverifiable item promotly, I formally recuest Section 609 ( a ) ( 1 ( A ) ( 15 U.S.C. 8 1681g ) - Right of Access and Verification of inquiries This ECRA snation. mandates that credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removd.

4. Section 623 ( 15 U.S.C. $ 1681s-2 ) - Responsibilities of Information Providers XXXX accuracy and authorization lies with both the credit bureau and the information providers.

Soction 60.Ad.Ury.C16816-1- Protoction Arainst identity Then This provision mandates the removal of unauthorized inquiries that could potentially relate to identity theft. I request the deletion of these inquiries under this protection.

Company response to consumer: Closed with explanation