Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Dear Equifax, Subject : Formal Dispute of Inaccurate Information - Notice of Willful Noncompliance Under 15 U.S.C. Section1681n To Whom It May Concern, I am writing to formally dispute inaccurate and harmful information currently being reported on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX5 U.S. Code Section1681i and Section1681n, I am demanding an immediate investigation and correction of the following item ( XXXX ) : Account Name : XXXX XXXX XXXX XXXX for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 

Account Name : XXXX XXXX XXXX XXXX  Reason for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company and is being reported more than once. 

Account Name : XXXX XXXX XXXX Reason for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 

Account Name XXXX XXXX XXXX XXXX  Reason for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 

Account Name : Inline Auto Sales Reason for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 

Account NamXXXX : XXXX XXXX XXXX. 
Reason for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company and is being reported more than once. 

Account Name : XXXX XXXX XXXX XXXX for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 

Account Name : XXXX XXXX XXXX XXXX for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 

Account Name : XXXX XXXX XXXX Reason for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 

Account Name : XXXX XXXX XXXX. 
Reason for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company and is being reported more than once. 

Account Name : XXXX XXXX XXXX XXXX XXXX for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 

Account Name : XXXX XXXX XXXX Reason for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 


Account Name : XXXX XXXX  XXXX XXXX Reason for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 

Account XXXX : XXXX XXXX  Reason for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 

Account XXXX : XXXX XXXX Reason for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 

Account XXXX : XXXX XXXX XXXX for Dispute : This is an unauthorized inquiry, no credit application or permission was given to this company. 

Account XXXX : XXXX XXXX Reason for Dispute : This is an unauthorized inquiry, no credit application or permission was given tot his company. 







Despite previous attempts to resolve this matter, this inaccurate information remains on my credit report. This constitutes willful noncompliance with the FCRA, particularly 15 U.S.C. Section1681n, which provides for damages when a consumer reporting agency or furnisher knowingly and willfully fails to correct inaccurate data.

I am requesting : 1. A prompt and thorough reinvestigation of the disputed information.

2. Removal or correction of any data that can not be verified.

3. Written confirmation of the results of your investigation.

4. A corrected copy of my credit report once the changes are made.

Please consider this letter as formal notice. Failure to comply may result in legal action, including pursuing statutory and punitive damages as outlined in 15 U.S.C. Section1681n.

Attached are copies of my government-issued ID, proof of address, and supporting documents related to this dispute. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation