Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge according to the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof. I request accurate reporting of allegations and avoidance of unlawful claims. Please provide verifiable evidence of the account 's existence and permissible usage. If such evidence is absent, I expect the removal of the account from my report. Kindly send physical documentation of your actions and an updated credit report. 
Listed below are the Personal Information that are being challenged Employer - XXXX AND XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX CT, XXXX XXXX, FL XXXX Incorrect XXXX : - XXXX Employer - XXXX XXXX XXXXncorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEB/OPPLNS - XXXX Listed below are the Inquiries that are being challenged FIRSTHELPF - XXXX XXXX  - XXXX XXXX - XXXX XXXX H - XXXX HMF - XXXXXXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX PFS - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

I am writing to request that you kindly update your records regarding my account with your organization, which is held under the name of Employer and bears the account number XXXX XXXX XXXXXXXX. It has come to my attention that the current information in your records is inaccurate and falls below the acceptable standard of accuracy. 
I humbly urge you to take prompt action to rectify this matter as inaccurate data can have severe consequences and could lead to legal action against both of us. I would like to remind you that any erroneous information on my credit report or in your records is unacceptable and must be removed without any delay. 
XXXX - XXXX XXXX The following personal information is incorrect - The personal data reporting is inaccurate. 
I am writing to request that you kindly update your records regarding the account of Employer with XXXX XXXX. I have noticed that the current information in your records is inaccurate and does not meet the minimum standard for accuracy. 
May I kindly bring to your attention that failure to correct inaccurate data may result in legal action. Inaccurate information has no place in either your records or on my credit report, and as a valued customer, I respectfully demand that it be removed without any delay. 
Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
It is of utmost importance that your personal information is maintained with accuracy, timeliness, and verifiability. In compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, it is imperative that you possess the appropriate documentation to support your credit profile. Therefore, I kindly request that you promptly remove any address from your system that does not align with my specific address of XXXX XXXX XXXX, XXXX, fl, XXXX. Ensuring this alignment will contribute to the integrity of the information and foster a stronger adherence to regulatory requirements. Your attention to this matter and subsequent action are greatly appreciated. 
Incorrect DOB : - XXXX The following personal information is incorrect - The personal data reporting is inaccurate. 
I have reviewed the information associated with Incorrect XXXX : - XXXX and I have noted that it does not conform to the prescribed standards. Regrettably, it lacks precision and does not align with the requisite guidelines. In light of this, I wish to emphasize the paramount importance of strict adherence to the Metro 2 standards for all data fields, leaving no room for deviations. Consequently, I respectfully request your immediate attention to rectify this account, given that the incomplete, unverified, and inaccurate data may have significant financial implications for me. 
Employer - XXXXXXXX XXXX The following personal information is incorrect - The personal data reporting is inaccurate. 
I am writing to request your urgent attention to updating your records pertaining to my account with you, bearing the name Employer and account number XXXX XXXX. I would like to bring to your attention that the current records are inaccurate and do not meet the minimum standard for accuracy. It is imperative that you take immediate steps to rectify this issue, as failure to do so may result in legal action. I believe that inaccurate information should not be a part of either your records or my credit report, and therefore I demand that it be removed without any delay. 
Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

I would like to kindly bring to your attention the importance of the accuracy of my personal information on record. As such, I respectfully request that you update your database to reflect my sole address, which is XXXX XXXX XXXX, XXXX, fl, XXXX. I kindly ask that you remove any other addresses that do not match the one provided in this letter from your system. Your prompt attention to this matter would be greatly appreciated, as I rely on your institution to maintain my personal information with the utmost care and diligence. Thank you in advance for your cooperation. 
Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
Kindly ensure that the records of your esteemed organization are maintained in a current state. Should any address within your system not correspond to the address provided in this correspondence, I would greatly appreciate if you would promptly remove such entries. By doing so, you will be able to ascertain the accuracy of your database in regards to my personal information. For your reference, my sole address is as follows : XXXX XXXX XXXX, XXXX, fl, XXXX. 
Incorrect Name : - XXXX XXXX XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
Incorrect Name : - XXXX XXXX XXXX I respectfully request your immediate attention and resolution of any inaccuracies in the entries pertaining to names within your database. It is crucial to acknowledge that my accurate name is XXXX XXXX. Should your system contain any divergent information conflicting with my explicit declaration, I kindly insist that you promptly rectify these discrepancies without any undue delay. Your expeditious response to this matter is greatly appreciated and holds utmost significance. 
XXXX XXXX - XXXX This account is inaccuarately reporting late payments on multiple bureaus. The discrepancies in the payment status across Equifax, XXXX, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also displays inconsistency in reporting activity dates. - I have not received any documentation validating the legitimacy of this debt or confirming the details reported. Under FCRA 15 USC 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted from my report. If the credit bureau can not substantiate this account 's accuracy, I expect to be removed immediately Kindly provide certification for the accurate and compliant reporting of the mentioned XXXX XXXX - XXXX. The alleged deviation in reporting prompts the need for confirmation of the claim 's accuracy, completeness, timeliness, and adherence to regulatory requirements, including the mandatory perfect and complete Metro 2 formatting standards. If unable to fulfill these criteria, please promptly remove the entry. 
XXXX - XXXX The inconsistency misrepresents my payment history and is clear violation of FCRA 15 USC 1681e ( b ), which mandates that credit bureaus must report accurate and consistent information.- Under 15 USC 1681i ( a ) ( 1 ) ( A ), I request an immediate investigation into these discrepancies. If accurate information can not be obtained, this account must be updated or deleted. The account is marked with comment " Consumer disputes this information charge '' However the information has not been updated to reflect any resolution, violating my rights under 15 USC 1681s-2 ( a ) ( 3 ). I have not receiving any evidence validating the legitimacy if this debt or details reported. Under FCRA 15 USC 1681i ( a ) ( 5 ) ( A ) unverifiable information must be deleted from my report. If Equifax can not provide substantiating documentation for this account, I expect it to be removed immediately Kindly verify the accuracy and compliance of the reported allegation denoted by XXXX - XXXX. The alleged deviation from compliant reporting standards necessitates a thorough examination. Please provide certification of the accurate, complete, and timely reporting for each aspect of the 3 of 14 claim. Ensure that the information is substantiated, verified, and adheres to all regulatory requirements, including the obligatory conformance to Metro 2 formatting standards. Should these conditions not be met, please promptly remove the entry. 
XXXXXXXX XXXX XXXX  XXXX This account is inaccurately reporting late payments on multiple bureaus. The discrepancies in the payment status Equifax, XXXX, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also display inconsistency in reporting activity date. - This is paid as agreed and should not be reporting negatively on my report. I am disputing the accuracy of this account under 15 USC 1681i. Please update the late payments to " Paid as agreed, never late, '' in accordance with 15 USC 1681e ( b ). The account must be corrected across all three bureaus, or it should be removed due to incomplete and inaccurate reporting. Failure to correct these discrepancies violates 15 USC 1681i ( 5 ). If the issues are not resolved, the account should be deleted. 
XXXXXXXX XXXX  - XXXX I kindly address the alleged delinquency and/or derogatory claim ( XXXX ) outlined above, which, as reported, lack the minimal mandatory document proof required to certify the current compliant reporting of negative information. These claims must be physically verified, confirmed, and shown to be factually accurate, correct, timely, complete, and beyond doubt. Due to this deficiency, I insist on the immediate and comprehensive removal of all alleged negative aspects, in order to restore and uphold the ethical and legal reporting standards prescribed by adequate consumer credit reporting practices. 
AUSTINCAPBK - XXXX The account is listed as " closed '' by Equifax and XXXX, but " open '' by XXXX. The inconsistency in reporting violates FCRA 15 USC 1681e ( b ), which mandates that credit bureaus report only accurate and consistent informartion. - This is account is inaccurately reporting late payments, and discrepancies in reporting the across bureaus violate 15 USC 1681e ( b ), which mandates maximum possible accuracy in consumer reports. The " Late Pay '' issue reflects inconsistent data between Equifax, XXXX, and XXXX, which is legally required to be fully accurate and consistent. 
XXXX XXXX XXXXXXXX I hereby formally request the discontinuance of reporting for the aforementioned account. Your prompt attention to this matter and your subsequent verification and validation, both physically and through documentary evidence, of all alleged facts, including notations, dates, balances, compliance condition code ( s ), and any relevant aspects within the Metro 2 compliance segment and field ( s ), are kindly solicited to ascertain the accuracy and certainty of the aforementioned claim. 
XXXX - XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.

Kindly remove any derogatory information related to the allegations from my credit report regarding the following account : XXXX - XXXX. I firmly believe that this item has been reported unjustly, without adequate verification, or even unlawfully. Hence, I would like to request the prompt deletion of any claims of late payments associated with this account, as mandated by the applicable laws. Thank you for your assistance in this matter. 
XXXXXXXX XXXX XXXX XXXXXXXX a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and unverifiable 4 of 14 information listed on my credit report for the account identified as XXXX XXXX, with the account number XXXX. ** This account is being reported incorrectly, and I demand immediate correction or removal.The reported information is inaccurate and does not comply with the standards outlined by the FCRA. Specifically : 1. The balance of {$15000.00}, marked as past due, is questionable and unverified. The reported high balance and past due amounts show inconsistencies across the reporting. 2. The account shows conflicting dates for last activity ( XX/XX/XXXX ) and last reported ( XX/XX/XXXX ), which calls into question the validity of the data provided. XXXX. The account status is marked as Closed/Chargeoff with comments stating Charged off account closed by credit grantor, yet there is no evidence that this reporting has been substantiated.Under FCRA 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy. Additionally, under FCRA 1681i, I am entitled to an investigation of any disputed information.I demand that you : 1. Verify the accuracy of this account by obtaining original documentation directly from XXXX XXXX, not just confirmation from third-party debt collectors. 2. Remove or correct any information that can not be 100 % verified as accurate and complete within the required 30-day investigation period. - I demand that you : 1. Verify the accuracy of this account by obtaining original documentation directly from XXXX XXXX, not just confirmation from third-party debt collectors. 2. Remove or correct any information that can not be 100 % verified as accurate and complete within the required 30-day investigation period.Failure to comply with this formal dispute will result in immediate action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission XXXX FTC ) XXXX and other regulatory bodies. Furthermore, I will not hesitate to pursue legal action to protect my credit and ensure compliance with the FCRA. 
We would like to kindly remind you of the importance of removing any unproven or inadequately supported claims from your reporting concerning account number XXXX. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the conditional privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claims that you make. 
In the interest of ensuring the accuracy and integrity of the credit reporting system, we dispute the reportability of any claim that you fail to prove conclusively, especially with regards to the mandatory Metro 2 Compliance standards. As you are aware, these standards are clearly outlined in the XXXX 's nearly annual XXXX, which stipulates that any deviation from these standards risks compromising the integrity of the data. 
Therefore, we kindly request that you demonstrate the veracity of all allegations and comply with the requisite reporting practices to be deemed certifiably compliant. We appreciate your attention to this matter and look forward to a prompt resolution. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. 
I express my profound disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I demand the immediate deletion of the flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is crucial for us to have comprehensive knowledge through accurate documentation, ensuring we are well-prepared to address potential issues in the future. 
XXXX XXXX XXXX - XXXX I am writing to formally dispute the erroneous and unverifiable information appearing on my credit report under the name XXXX XXXX XXXX, with account number XXXX, pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) .The following issues with this account render its reporting invalid and demand immediate investigation and correction : 1. The reported past-due balance of {$690.00} is inaccurate, unverified, and inconsistent across the information provided by different credit bureaus. 2. Discrepancies in dates such as Last Activity and Last Reported make it clear that this accounts reporting has not been properly maintained 5 of 14 or verified. 3. Comments such as Collection/Chargeoff and Account Seriously Past Due are unsubstantiated and violate FCRA requirements for accuracy and complete verifiability.Under FCRA 1681i, you are required to : Conduct a thorough investigation to verify the accuracy of this account. This verification must include original documents from the original creditornot information merely passed along by XXXX XXXX XXXX. 
Correct or delete any information that can not be fully verified. - If you are unable to validate the accuracy and legitimacy of this account, I demand its immediate deletion from my credit report to prevent further harm to my creditworthiness.Please note that failure to comply with this formal dispute within the 30-day investigation period mandated by the FCRA will result in a formal complaint filed with the Consumer Financial Protection Bureau XXXX CFPB ) and potential legal action to enforce my rights under federal law.Attached are copies of my credit report highlighting the disputed account for your convenience. I expect written confirmation of your findings and any corrective actions taken at the conclusion of your investigation. 
Kindly be advised that the information pertaining to XXXX XXXX XXXX - XXXX presented herein has not undergone the process of certification to adhere to any established reporting standards. The data provided can not be guaranteed for accuracy, currency, or comprehensiveness. Moreover, it is important to acknowledge that this information may potentially be incomplete, outdated, or lacking necessary support.

Therefore, I would greatly appreciate the removal of any erroneous or unsupported content from this page. 
XXXX  - XXXX The collection account shows inconsistencies in bureaus and lacks validation under 15 USC 1692g.

Additionally, the account charge-off status does not align with accurate reporting procedures, violating 15 USC 1681e ( b ), which mandates maximum possible accuracy in credit reporting. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report. 
We would like to draw your attention to the following information pertaining to XXXX - XXXX. It is important to emphasize that the data provided above has not been officially certified to comply with any specific reporting standards. Furthermore, we must acknowledge that this information XXXX be deemed incomplete, outdated, or lacking proper support. Therefore, we kindly request that any inaccuracies or unsupported materials be duly rectified or removed from this page, as it is essential to maintain accuracy and reliability in our records. 
XXXX XXXX XXXXXXXX This account is reporting inconsistencies in reporting is a violation of FCRA XXXX XXXX XXXX ( b ), which requires credit bureaus to report only accurate and consistent information. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.

I am deeply disappointed in your failure to provide documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I demand the immediate deletion of this flawed and inaccurate report. Failure to comply may result in legal action for non-compliance with the relevant legal requirements. It is crucial that we possess accurate information from documentaries to avoid being unprepared for potential future issues that could have been prevented with more care for accuracy over convenience. 
XXXX XXXX XXXX - XXXX I am writing to formally dispute the inaccurate and unverifiable information related to XXXX XXXX XXXX with account number XXXX, ** as reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation into this matter and prompt correction or removal of the erroneous information.This account is reported as {$1500.00} past due with comments stating, Medical Subject has not satisfied debt. However, this reporting contains several inaccuracies and violations of the FCRA : 1. The balance and high balance amounts are inconsistent and unverified. 2. The reporting fails to provide specific details about the original creditor, making it impossible to verify the legitimacy of this account. XXXX. Dates such as last activity ( XX/XX/XXXX ) and last reported ( XX/XX/XXXX ) do not align logically with the accounts status.Under FCRA 1681i, credit reporting agencies must ensure that all reported information is accurate, verifiable, and complete. Moreover, under FCRA 1681e ( b ), you are obligated to use reasonable procedures to ensure maximum possible accuracy of all information reported. - I demand that you : 1. Verify the accuracy of this 6 of 14 account by obtaining complete and original documentation directly from the original creditor. 2. If this account can not be fully verified as accurate, complete, and compliant with the FCRA, you must delete it from my credit report immediately.Please note that failure to resolve this dispute will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Additionally, I reserve the right to take legal action for damages caused by inaccurate reporting.

I am profoundly disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which constitutes a significant deficiency. I demand the immediate deletion of this flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is imperative that we have comprehensive knowledge through accurate documentation to avoid being unprepared for potential future issues caused by preventable factors due to negligence towards accuracy in favor of convenience alone. 
XXXX XXXX XXXX - XXXX I am writing to formally dispute the inaccurate and unverifiable information listed on my credit report under the FCRA ( 15 U.S.C. 1681 ). The account in question, identified as [ Account Name : XXXX XXXX XXXX ] with the account number [ Last XXXX Digits : XXXX ] **, contains errors that must be corrected or removed immediately.Specifically, this account is reporting : 1. A balance of {$1000.00} listed as past due, even though the details do not align with my records. 2. Inconsistent and unverifiable dates between last activity, date closed, and last reported, which cast doubt on the accuracy of the reporting. 3. Negative status across multiple credit bureaus without sufficient evidence to substantiate the claim.Under the FCRA, you are required to report only accurate and fully verified information. I demand the following actions : 1. Verify the legitimacy of this account by obtaining original documentation directly from the original creditor. Merely verifying it with the current debt holder does not satisfy FCRA requirements. 2. If the accuracy of this information can not be fully validated, you are obligated under FCRA 1681i to promptly delete it from my credit report.Be advised that failure to correct this error may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), and I reserve the right to pursue legal action to protect my credit profile. - I request a written response confirming your investigation and any changes made to my credit report. Per the FCRA, you have 30 days from the receipt of this dispute to complete your investigation and respond.Please find enclosed copies of my credit report excerpts highlighting the disputed information for your reference. 
I would like to bring to your attention the matter concerning the alleged COFF status of XXXX XXXX XXXX - XXXX. It has come to my attention that you have provided a section of a credit report that specifically pertains to the mentioned account number. The report suggests that the account number is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data being reported. I must emphasize that there can be no deviation from the established standards for reporting data fields, including the account number, as indicated in the report. 
XXXX XXXX XXXXXXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates XXXX5 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report. 
I am writing to inform you that the account identified as XXXX XXXX  XXXX has been reported as an unconfirmed alleged COFF. It has come to my attention that you have provided a section of a credit report pertaining to this account number. The report indicates that the account number is either not being reported or is not compliant with the standard guidelines for credit reporting agencies. This raises concerns about the accuracy and integrity of the data being reported. It is important to emphasize that any deviation from the established standards for reporting data fields, including the account number, can potentially compromise the reliability of the information being provided. 
7 of 14 INQUIRY XXXX XXXX - XXXX Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly remove it from my credit report. 
I trust this communication finds you well. While reviewing my credit report, I observed an unauthorized inquiry associated with my account under INQUIRY and [ account_ number ]. As per the Fair Credit Reporting Act, it is imperative to ensure that access to my personal information is diligently regulated with my explicit consent. In light of this, I would greatly appreciate receiving verifiable documentation elucidating the purpose and justification behind the aforementioned inquiry. Your prompt attention to this matter is sincerely appreciated, and I firmly believe that we can collectively rectify and remove any unwarranted inquiries from my credit report. 
INQUIRY - XXXX - XXXX Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly remove it from my credit report. 
Regarding the information provided under the INQUIRY - XXXX - XXXX, I would like to bring to your attention that it has not been verified to meet the necessary reporting standards. Its accuracy, completeness, and currency have not been established, and to ensure compliance with consumer protection laws, documentation proving compliance is required. The information supplied is inadequate, and I am requesting the immediate deletion of any incorrect, incomplete, or unsupported data. 
I would greatly appreciate it if you could provide me with any further information or documentation necessary to address these concerns and ensure that the information provided is compliant with the relevant standards. 
INQUIRY - XXXX - XXXX Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly remove it from my credit report. 
I have recently obtained a copy of my credit report and upon careful examination, I have discovered the presence of credit inquiries originating from companies that I have no recollection of granting authorization to. 
It is my understanding that it is impermissible to include an inquiry on my credit file without obtaining my explicit consent. Therefore, I respectfully request the prompt removal of this inquiry from my credit file. 
Additionally, I kindly request that you furnish me with substantiating documentation to confirm that a thorough investigation has been conducted and the unauthorized inquiries have been successfully eradicated. Your immediate attention to this matter is greatly appreciated. 
INQUIRY - XXXX XXXX - XXXX Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly remove it from my credit report. 
INQUIRY XXXX XXXX - XXXX It has come to my attention that an inquiry has been made on my credit file without my prior knowledge or approval. According to the Fair Credit Reporting Act, such access to my information should have been authorized by me beforehand. I would like to request the removal of this inquiry from my credit file, unless you can provide me with appropriate documentation that demonstrates a permissible purpose for it. 
INQUIRY - XXXX XXXX XXXX Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly remove it from my credit report. 
INQUIRY - XXXX - XXXX XXXX per the requirements of the Fair Credit Re

Company response to consumer: Closed with non-monetary relief