Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint and Request for Immediate Reinvestigation and Removal of Inaccurate Information To Whom It May Concern : This letter serves as a formal dispute and demand for reinvestigation, submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. The items listed below are appearing on my Equifax credit report inaccurately, incompletely, and in some cases without my authorization. 
Despite previous attempts, your agency has failed to perform a proper and lawful reinvestigation of these accounts, violating your obligation under federal law to assure maximum possible accuracy in credit reporting ( 15 USC 1681e ( b ) ). The pattern of dismissive or inadequate investigations appears to be a stalling tactic, especially harmful given my verified exposure in multiple data breaches, including the Equifax breach. 
This exposure to identity theft amplifies the urgency and seriousness of maintaining an accurate credit report. Incorrect and unauthorized data is negatively affecting my ability to access credit when I need it, causing financial harm and stress. 
________________________________________ Accounts in Dispute ( Collections/Negative Items ) Please conduct a full reinvestigation and remove the following unverifiable or inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX These items appear inaccurate, incomplete, or do not belong to me. Under 15 USC 1681i, you must : Conduct a reasonable investigation Forward all relevant documentation to the original furnishers Complete the reinvestigation within XXXX calendar days Delete any item that is not verified with 100 % accuracy Provide a written summary of your findings Failure to follow this process results in a violation of the FCRA and may subject Equifax to legal liability under 15 USC 1681n and 1681o for willful or negligent noncompliance. 
________________________________________ Unauthorized or Questionable Hard Inquiries The following inquiries appear without a permissible purpose or clear authorization, violating XXXX XXXX XXXX : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXX inquiries ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX XXXX inquiries ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) COAF ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) You are required to ensure that any party pulling my credit report has a legitimate and documented permissible purpose, as defined in 15 USC 1681b ( f ). If these inquiries can not be verified with explicit proof of permissible purpose, they must be removed immediately. 
________________________________________ Legal References in Support of My Complaint I am invoking the following provisions of federal law : 15 USC 1681i Right to reinvestigation of disputed information 15 USC 1681e ( b ) Duty to ensure maximum possible accuracy 15 USC 1681b Limitation on access to consumer reports 15 USC 1681c-1 Identity theft protections 15 USC 1681n / 1681o Civil liability for willful/negligent violations 15 USC 1681g Right to full disclosure 15 USC 1681s-2 ( a ) Duties of furnishers to report accurately ________________________________________ Requested Actions 1. Immediately reinvestigate all disputed accounts and inquiries listed.

2. Delete any item that can not be 100 % verified with documentation.

3. Provide me with a written summary of your findings and actions.

4. If no action is taken, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Attorney General of XXXX

________________________________________ Thank you in advance for your immediate attention to this matter. I expect full compliance within the 30-day period as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief