Consumer complaint received 2025-04-03 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: WI

Complaint narrative:
FINAL DEMAND FOR REINVESTIGATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ XXXX ] ( mailto\ : XXXX ) ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services Llc XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Final Demand for Reinvestigation & Deletion of Inaccurate Accounts Dear [ Credit Bureau ], This is my final demand for reinvestigation under **15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). I previously disputed the inaccurate accounts listed below, yet they were " verified '' without proper evidence. Your failure to conduct a lawful investigation and provide actual verification documentation violates my rights under the FCRA. 

Inaccurate Accounts : - XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX details XXXX  % paid off Balance {$470.00} Balance updated XX/XX/XXXX Original balance {$470.00} Account info Account number XXXX Date opened XXXX XXXX, XXXX Account type Debt Buyer Status Collection account. {$470.00} past due as of XX/XX/XXXX. 

Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Contact info Name XXXX XXXX XXXX Address XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Balance details XXXX  % paid off Balance {$1400.00} Balance updated XX/XX/XXXX Original balance {$1400.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 



Status updated XX/XX/XXXX Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Name XXXX XXXX XXXX Address XXXXXXXX XXXX XXXXXXXX l creditor : XXXX Balance details 0 % paid off Balance {$820.00} Balance updated XX/XX/XXXX Original balance {$820.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. \ {$820.00} past due as of XX/XX/XXXX. 



Status updated XX/XX/XXXX Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Name XXXX XXXX XXXX  Address XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX According to the FCRA, you are required to obtain and provide me with documented proof from the data furnisher, not merely rely on electronic verification. If you fail to comply within 15 days, I will take the following actions : -File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 

-Pursue legal action for willful non-compliance, seeking damages for FCRA violations ( 1681n ) and injunctive relief under ( 1681o ). 

I expect the permanent deletion of these accounts or documented evidence proving their accuracy. Failure to comply will result in legal action. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief