Consumer complaint received 2025-06-07 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: NJ

Complaint narrative:
I noticed inquires and collection that I do not recognize. I am demanding for Experian and Trans union to remove the following Inquiries immediately. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX Request for Removal of Unverifiable Inquiry from Credit Report- XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX  Dear Equifax XXXX TransUnion and Experian I hope this letter finds you well. My name is XXXX and I am writing to formally request the removal Credit Report- XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX  XXXX is currently reported on my credit file. I recently reviewed my credit report from XXXX, where an Inquiry Report- XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX  was listed. Upon investigation, XXXX completed the dispute process on XX/XX/XXXX, and the Inquiry was fully deleted in compliance with consumer protection laws. According to the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( Investigation of Disputed Information ), when an item on a consumers credit report is found to be unverifiable or inaccurate during a dispute, it must be removed or corrected. Since XXXX has removed this Inquiry from my credit report, and the information provided was deemed unverifiable, I am requesting that you conduct an immediate investigation of the account listed on your reports and delete this Inquiry from my credit file. Furthermore, as the Inquiry has been deleted by XXXX, it has been effectively verified as inaccurate, which obligates your agency to remove this Inquiry under the same protections granted by the Fair Credit Reporting Act ( FCRA ). Section 1681i ( a ) ( 5 ) of the FCRA stipulates that when an account is deleted by another credit reporting agency, that information can not continue to be reported. I respectfully request that you remove this unverifiable Inquiry from my credit report within 30 days. If you fail to do so, I will be forced to consider further actions to protect my rights as a consumer. Please be aware that as a consumer, I am protected under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Act ( CFPA ), which empower me to take legal action should inaccurate or unverifiable information remain on my credit report. If this matter is not resolved promptly and the unverifiable Inquiry is not removed, I reserve the right to pursue legal action, including seeking damages for any harm caused by the continued reporting of this incorrect information. I trust that you will take swift and appropriate action in accordance with the law. Please notify me in writing of your decision, and provide me with the necessary documentation confirming that this account has been removed from my credit report. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation