Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
JUST RECENTLY LOOK AT MY CREDIT REPORT XX/XX/XXXX I SAW SOME HARD INQUIRES THAT DID NOT HAVE PERMISSABLE PURPOSE Your Equifax credit report As of XX/XX/XXXX Credit Report dateEquifax - XX/XX/XXXX Inquiries Report Date : XX/XX/XXXX A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit scores and those that do not. 

If you find information in your credit report that you believe is incomplete or inaccurate, you can file a dispute. 
Hard Inquiries Inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

Date Company Address Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TN 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 Subject : Urgent Credit Report Dispute Request for Immediate Removal To Whom It May Concern, I am formally disputing inaccurate and unverifiable information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Based on the recent lawsuit and settlement involving Experian and Equifax, it is clear that these credit bureaus have a legal obligation to ensure complete accuracy in consumer reporting. 

The following account ( s ) are erroneous, outdated, and unverifiable and should be removed immediately under FCRA 611 ( 15 U.S.C. 1681i ) : [ List account name, number, and specific errors ( e.g., incorrect balances, late payments, accounts not belonging to you, etc. ) ] Legal Basis for Dispute and Removal : Failure to Maintain Accurate Information ( FCRA 1681e ( b ) ) Credit bureaus are required to follow reasonable procedures to ensure accuracy. If any item can not be verified within the legally mandated period, it must be deleted.

Failure to Conduct Proper Investigation ( FCRA 1681i ( a ) ( 1 ) ( A ) ) Credit reporting agencies have five ( 5 ) business days to correct or remove information once determined to be inaccurate or unverifiable. 
Recent Lawsuit Precedent The settlement involving XXXX and Equifax establishes heightened accountability in credit reporting, further necessitating compliance. 
Reinsertion Prohibition ( FCRA 1681i ( a ) ( 5 ) ( B ) ) If removed, the disputed information can not be reinserted without proper notification.

Given the clear violations of my rights under the FCRA, I demand that the disputed accounts be permanently removed from my credit report within five ( 5 ) business days, as required by law. 

Please provide written confirmation of the deletions and an updated copy of my credit report upon completion of this dispute. Should these errors remain, I am prepared to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation