Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
# # # List of Inquiries in Compliance with the Fair Credit Reporting Act ( FCRA ) **Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. ** -- - # # # **Violation of Federally Protected Consumer Rights** In accordance with the **Fair Credit Reporting Act ( FCRA ) **, the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under **15 U.S.C. 1681**.

According to **15 U.S.C . 1681e ( b ) **, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inquiries listed above have not been verified for accuracy, and their inclusion on my credit report without proper verification violates this provision.

Furthermore, under **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **, if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : 1. **Promptly delete or modify** the inaccurate or unverifiable information.

2. **Notify the furnisher** of the information that it has been modified or deleted.

Additionally, under **15 U.S.C. 1681s-2**, furnishers of information are prohibited from providing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The inquiries listed above have not been verified for accuracy, and their inclusion on my credit report without proper verification violates this provision.

Finally, under **15 U.S.C. 1681b ( a ) ( 1 ) **, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The inquiries listed above have not been verified for accuracy, and their inclusion on my credit report without proper verification violates this provision.

-- - # # # **Demand for Action** I demand that the following actions be taken immediately : 1. **Remove or verify** the inquiries listed above in compliance with **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **.

2. **Notify the furnishers** of the information that the inquiries have been modified or deleted, as required by **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( ii ) **.

3. **Provide written confirmation** of the removal or verification of the inquiries listed above.

Failure to comply with these demands will result in further action to enforce my rights under the **Fair Credit Reporting Act ( FCRA ) **.

-- - # # # **Conclusion** The inquiries listed above have violated my federally protected consumer rights under the **Fair Credit Reporting Act ( FCRA ) **. I demand that these inquiries be removed or verified in compliance with the law.

Company response to consumer: Closed with explanation