Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I am hereby contesting the accuracy of any information contained within my credit report that lacks substantiated evidence. This pertains particularly to unproven claims, such as allegations of delinquency and derogatoriness. My action is aligned with the provisions set forth in the Fair Credit Reporting Act ( FCRA ) and adheres to the recognized industry standard for Metro 2 data field reporting. I emphasize that, in accordance with federal and state laws, it is imperative that all allegations are reported accurately and comprehensively. Reporting claims that contravene established laws and regulations is not only inaccurate but also unjust.

I write to formally notify you of the necessity to ensure the factual and accurate reporting of all claims, as mandated by the Metro 2 reporting standard. I kindly request that you furnish tangible, verifiable evidence substantiating the existence of the account and its lawful usage. Should such evidence not be forthcoming, I insist on the removal of said account from my credit report. In accordance with this request, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. Your prompt attention to this matter is greatly appreciated. 
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX FL XXXXXXXX Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX the Inquiries that are XXXX challenged PFS - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Name : - XXXX XXXX XXXX I wish to draw your attention to the imperative of maintaining current records within your organization. It is with a sense of disappointment and concern that I have observed the presence of names in your system that do not align with the personal information I have expressly provided in this communication. As a result, I kindly request the immediate rectification of any such discrepancies to ensure the precision and integrity of your database. It is of utmost importance that the information you possess accurately reflects my identity, which consists solely of the name XXXX XXXX XXXX. Your prompt attention to resolving this matter is sincerely appreciated, as it will prevent any further inconvenience or dissatisfaction. 

Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am writing to respectfully request that you take action to remove a specific address from my credit file. This address is no longer my place of residence, and it is not deliverable by the United States Postal Service. I am concerned that the inclusion of this address in my credit file may leave me vulnerable to identity fraud, and as such, I urge you to take immediate steps to remove it. Additionally, I wish to clarify that I have never resided at this address and that the personal information associated with it is either incomplete or inaccurate. Therefore, I kindly request that you delete this address from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ). I trust that you will take this matter seriously and handle it with the necessary urgency and care. 

Incorrect DOB : - XXXX The following personal information is incorrect - The personal data reporting is inaccurate. 

Incorrect DOB : - XXXX I hereby bring to your notice an error within the documented report. I am eager to gain insight into your viewpoint on this issue. I respectfully urge you to undertake the task of verifying the accuracy of my credit report and reporting protocols. Should you be unable to do so, it would indicate that the data regarding my profile is in error, as it does not conform to the established Metro 2 standards.

Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

Kindly note that the sole address I can provide is XXXX XXXX XXXX, situated in XXXX, fl, with the postal code XXXX. Should you possess any records of alternative addresses within your system that do not correspond to the aforementioned details, I kindly request their immediate removal. This action will ensure the accuracy of the database in relation to my personal information. 

XXXX XXXX XXXX - XXXX This account is inaccuarately reporting late payments on multiple bureaus. The discrepancies in the payment status across Equifax, XXXX, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also displays inconsistency in reporting activity dates. - I have not received any documentation validating the legitimacy of this debt or confirming the details reported. Under FCRA 15 USC 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted from my report. If the credit bureau can not substantiate this account 's accuracy, I expect to be removed immediately I am writing to express my profound dissatisfaction with the current state of the information pertaining to XXXX XXXX XXXX and XXXX within your database. It is disheartening to note that the provided data lacks currency and fails to adhere to the essential benchmarks of accuracy. I implore you to address this matter with the utmost urgency. Failure to rectify this situation in a timely manner may leave me with no choice but to pursue legal recourse. It is imperative to emphasize that erroneous and flawed data should have no bearing within your esteemed database or on my credit report. Consequently, I earnestly request the immediate deletion of said information. 

XXXX XXXX XXXX XXXX - XXXX This account is inaccurately reporting late payments on multiple bureaus. The discrepancies in the payment status Equifax, XXXX, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also display inconsistency in reporting activity date. - This is paid as agreed and should not be reporting negatively on my report. I am disputing the accuracy of this account under 15 USC 1681i. Please update the late payments to " Paid as agreed, never late, '' in accordance with 15 USC 1681e ( b ). The account must be corrected across all three bureaus, or it should be removed due to incomplete and inaccurate reporting. Failure to correct these discrepancies violates 15 USC 1681i ( 5 ). If the issues are not resolved, the account should be deleted.

The information provided above does not appear to meet any certified reporting standards and may be unreliable. I kindly request that any incorrect, incomplete, or unsupported material be removed from the record. 

Furthermore, I would like to draw your attention to the image above for XXXX XXXX  XXXX XXXX - XXXX which highlights additional areas of concern that need to be addressed. 

XXXX  - XXXX Let me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. 1681b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. - I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. 1681i ( a ). 

XXXX - XXXX The purported delinquency and derogatory information mentioned above lack the essential and legally required documentary evidence substantiating the current certifiably accurate reporting of negative items, which must also be physically verified, confirmed, and irrefutably true, correct, timely, and sufficiently complete. Due to these deficiencies, I respectfully request the immediate and complete removal of all aspects of the alleged negativity from my account, in order to restore and uphold the ethical and lawful standards mandated for consumer credit reporting practices. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The account is listed as " closed '' by Equifax and XXXX, but " open '' by XXXX. The inconsistency in reporting violates FCRA 15 USC 1681e ( b ), which mandates that credit bureaus report only accurate and consistent informartion. - This is account is inaccurately reporting late payments, and discrepancies in reporting the across bureaus violate 15 USC 1681e ( b ), which mandates maximum possible accuracy in consumer reports. The " Late Pay '' issue reflects inconsistent data between Equifax, XXXX, and XXXX, which is legally required to be fully accurate and consistent. 

Kindly be advised that the provided details, denoted as XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, seem to exhibit apparent inconsistencies with the mandatory standards set for ethical and compliant assertion of this particular claim. In accordance with CDIA guidelines, any divergence from the established standard raises concerns regarding the credibility of the asserted data. Observable cues suggest the presence of plausible irregularities in adhering to the essential Metro 2 format Standard ( s ) for accurate reporting.

XXXX - XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.

I am profoundly disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which constitutes a significant deficiency. I demand the immediate deletion of this flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is imperative that we have comprehensive knowledge through accurate documentation to avoid being unprepared for potential future issues caused by preventable factors due to negligence towards accuracy in favor of convenience alone. 

XXXXXXXX XXXX XXXX  XXXX a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and unverifiable information listed on my credit report for the account identified as XXXX XXXX, with the account number XXXX XXXX This account is being reported incorrectly, and I demand immediate correction or removal.The reported information is inaccurate and does not comply with the standards outlined by the FCRA. Specifically : 1. The balance of {$15000.00}, marked as past due, is questionable and unverified. The reported high balance and past due amounts show inconsistencies across the reporting. 2. The account shows conflicting dates for last activity ( XX/XX/XXXX ) and last reported ( XX/XX/XXXX ), which calls into question the validity of the data provided. 3. The account status is marked as Closed/Chargeoff with comments stating Charged off account closed by credit grantor, yet there is no evidence that this reporting has been substantiated.Under FCRA 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy. Additionally, under FCRA 1681i, I am entitled to an investigation of any disputed information.I demand that you : 1. Verify the accuracy of this account by obtaining original documentation directly from XXXX XXXX, not just confirmation from third-party debt collectors. 2. Remove or correct any information that can not be 100 % verified as accurate and complete within the required 30-day investigation period. - I demand that you : 1. Verify the accuracy of this account by obtaining original documentation directly from XXXX XXXX, not just confirmation from third-party debt collectors. 2. Remove or correct any information that can not be 100 % verified as accurate and complete within the required 30-day investigation period.Failure to comply with this formal dispute will result in immediate action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and other regulatory bodies. Furthermore, I will not hesitate to pursue legal action to protect my credit and ensure compliance with the FCRA.

I am deeply disappointed in your failure to provide documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I demand the immediate deletion of this flawed and inaccurate report. Failure to comply may result in legal action for non-compliance with the relevant legal requirements. It is crucial that we possess accurate information from documentaries to avoid being unprepared for potential future issues that could have been prevented with more care for accuracy over convenience. 

XXXXXXXX XXXX XXXX XXXX XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.

May I humbly request that you desist from reporting any detrimental aspects of the allegations pertaining to the account details specified below? It is plausible that the said account, identified by the name XXXXXXXX XXXX XXXX  and XXXX XXXX, may have been reported unfairly, without proper certification or in violation of applicable laws. Therefore, I kindly demand that you promptly remove any information indicating late payments with derogatory connotations from your records, as mandated by law. 

XXXX XXXX XXXX - XXXX I am writing to formally dispute the erroneous and unverifiable information appearing on my credit report under the name XXXX XXXX XXXX, with account number XXXX, pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) .The following issues with this account render its reporting invalid and demand immediate investigation and correction : 1. The reported past-due balance of {$690.00} is inaccurate, unverified, and inconsistent across the information provided by different credit bureaus. 2. Discrepancies in dates such as Last Activity and Last Reported make it clear that this accounts reporting has not been properly maintained or verified. 3. Comments such as Collection/Chargeoff and Account Seriously Past Due are unsubstantiated and violate FCRA requirements for accuracy and complete verifiability.Under FCRA 1681i, you are required to : Conduct a thorough investigation to verify the accuracy of this account. This verification must include original documents from the original creditornot information merely passed along by XXXX XXXX XXXX. Correct or delete any information that can not be fully verified. - If you are unable to validate the accuracy and legitimacy of this account, I demand its immediate deletion from my credit report to prevent further harm to my creditworthiness.Please note that failure to comply with this formal dispute within the 30-day investigation period mandated by the FCRA will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under federal law.Attached are copies of my credit report highlighting the disputed account for your convenience. I expect written confirmation of your findings and any corrective actions taken at the conclusion of your investigation. 

XXXX XXXX XXXX - XXXX, I kindly request your attention to the data presented above, which appears to lack proper certification to meet reporting standards. Additionally, it is important to acknowledge that this information may be incomplete, outdated, or unsupported. With utmost respect, I would appreciate your prompt consideration in removing any inaccurate or unsupported material from this page. 

XXXX - XXXX Let me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. 1681b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law.

We would like to bring to your attention the inconsistency pertaining to the currently reported XXXX with account number displayed as XXXX, which has been observed across the three credit reporting agencies. It is our obligation to ensure that all reported items comply with the mandated reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a discrepancy from these standards, which must not deviate to maintain the integrity of the data, as stated in the CDIA CRRG 3- 4.

As such, until there is evident confirmation of all aspect ( s ) of claim ( s ) that are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid, particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements, the reported item in question remains lawfully questionable. 

XXXX XXXX XXXX - XXXX The collection account shows inconsistencies in bureaus and lacks validation under 15 USC 1692g.

Additionally, the account charge-off status does not align with accurate reporting procedures, violating 15 USC 1681e ( b ), which mandates maximum possible accuracy in credit reporting. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report.

I express my deep disappointment regarding your failure to provide documented evidence of compliance with reporting standards and relevant consumer laws. This deficiency is of utmost significance. I kindly request that you promptly remove this flawed and inaccurate report, as failure to do so will leave us with no choice but to initiate legal proceedings against your company for its non-compliance with specific legal requirements in these matters. It is imperative that we are aware of the nature of the information presented in documentaries to avoid being unprepared when confronted with adverse situations that could have been prevented had there been proper attention paid to accuracy instead of mere convenience. 

XXXX - XXXX This account is reporting inconsistencies in reporting is a violation of FCRA 15 USC 1681e ( b ), which requires credit bureaus to report only accurate and consistent information. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. 

XXXX - XXXX, I hope this message finds you well. I would like to bring to your attention that the data presented above does not appear to have undergone certification to meet the required reporting standards. Additionally, it is crucial to acknowledge that this information might be incomplete, outdated, or lacking proper support. Therefore, I kindly request that any inaccurate or unsupported material be expeditiously removed from this page. 

XXXX XXXX XXXX - XXXX I am writing to formally dispute the inaccurate and unverifiable information related to XXXX XXXX XXXX with account number XXXX, ** as reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation into this matter and prompt correction or removal of the erroneous information.This account is reported as {$1500.00} past due with comments stating, Medical Subject has not satisfied debt. However, this reporting contains several inaccuracies and violations of the FCRA : 1. The balance and high balance amounts are inconsistent and unverified. 2. The reporting fails to provide specific details about the original creditor, making it impossible to verify the legitimacy of this account. 3. Dates such as last activity ( XX/XX/XXXX ) and last reported ( XX/XX/XXXX ) do not align logically with the accounts status.Under FCRA 1681i, credit reporting agencies must ensure that all reported information is accurate, verifiable, and complete. Moreover, under FCRA 1681e ( b ), you are obligated to use reasonable procedures to ensure maximum possible accuracy of all information reported. - I demand that you : 1. Verify the accuracy of this account by obtaining complete and original documentation directly from the original creditor. 2. If this account can not be fully verified as accurate, complete, and compliant with the FCRA, you must delete it from my credit report immediately.Please note that failure to resolve this dispute will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Additionally, I reserve the right to take legal action for damages caused by inaccurate reporting.

I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken against your company for non-compliance with the relevant legal requirements. It is crucial for us to have accurate information from documentaries to avoid unforeseen complications in the future, which could have been preventable with proper care for accuracy over mere convenience. 

XXXX XXXX XXXXXXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report.

I am writing to bring to your attention the current discrepancies present in the XXXX account, as indicated by the account number XXXX, across the three credit reporting agencies.

It is important to note that any inconsistency, incompleteness, inaccuracy, or omission of reported information can be considered a discrepancy from the industry standard of reporting compliance, which follows the Metro 2 Data-filled Field Formatted reporting requirements. Deviating from these standards can jeopardize the integrity of the data, as outlined in the CDIA CRRG 3-4. 

XXXX XXXX XXXX - XXXX I am writing to formally dispute the inaccurate and unverifiable information listed on my credit report under the FCRA ( 15 U.S.C. 1681 ). The account in question, identified as [ Account Name : XXXX XXXX XXXX ] with the account number [ Last 4 Digits : XXXXXXXX XXXX XXXX contains errors that must be corrected or removed immediately.Specifically, this account is reporting : 1. A balance of {$1000.00} listed as past due, even though the details do not align with my records. 2. Inconsistent and unverifiable dates between last activity, date closed, and last reported, which cast doubt on the accuracy of the reporting. 3. Negative status across multiple credit bureaus without sufficient evidence to substantiate the claim.Under the FCRA, you are required to report only accurate and fully verified information. I demand the following actions : 1. Verify the legitimacy of this account by obtaining original documentation directly from the original creditor. Merely verifying it with the current debt holder does not satisfy FCRA requirements. 2. If the accuracy of this information can not be fully validated, you are obligated under FCRA 1681i to promptly delete it from my credit report.Be advised that failure to correct this error may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), and I reserve the right to pursue legal action to protect my credit profile. - I request a written response confirming your investigation and any changes made to my credit report. Per the FCRA, you have 30 days from the receipt of this dispute to complete your investigation and respond.Please find enclosed copies of my credit report excerpts highlighting the disputed information for your reference.

We kindly remind you to take prompt action and remove any unproven or inadequately supported claims associated with the account number XXXX. As a data reporting provider, it is imperative that you meet the minimal criteria required to report with the conditional privilege to do so. Failure to adhere to the mandatory Metro 2 Compliance standards, as outlined in the CDIA 's CRRG guidelines, risks compromising the integrity of the data, and we can not compromise on this matter.

We respectfully dispute the reportability of any claim that you fail to prove conclusively, particularly if it does not comply with the above-mentioned mandatory Metro 2 Compliance standards. Therefore, we urge you to validate the accuracy of all allegations and ensure compliance with the requisite reporting practices to be deemed certifiably compliant. We appreciate your immediate attention to this matter and look forward to a timely resolution. 
XXXX - XXXX Let me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. 1681b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. - I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. 1681i ( a ).

I hereby bring to your attention the details pertaining to the XXXX associated XXXX XXXX. It is important to acknowledge that the data provided above has not undergone certification to meet any reporting standards. Furthermore, it is imperative to highlight that this information may suffer from incompleteness, outdatedness, or lack of support. In light of this, I respectfully request the removal of any erroneous or unsupported material from the aforementioned page. 

INQUIRY - XXXX  - XXXX Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly remove it from my credit report. 

INQUIRY - XXXX XXXX XXXX I am writing to express my deep concern regarding an unauthorized inquiry that appeared on my credit report recently. As you are aware, under the Fair Credit Reporting Act, it is imperative that no one accesses an individual 's information without obtaining their prior consent. Therefore, I would like to request that you provide me with evidence that justifies the presence of this inquiry on my credit report. 

I kindly ask that you furnish me with the necessary documentation that demonstrates the basis for this inquiry, including any relevant details and signatures that confirm that I had indeed applied for a loan or lineofbusiness venture through the company in question. I believe that upon reviewing the evidence, you will agree that these inquiries were not appropriate and should not have been included on my credit report. 

I would appreciate it if you could resolve this issue promptly and ensure that my credit report accurately reflects my creditworthiness. Please let me know if there is any additional information that you may need from me to resolve this matter satisfactorily. 
INQUIRY - XXXX - XXXX Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly remove it from my credit report. 

I hope this communication finds you well. Today, I received a copy of my credit report and, to my surprise, noticed an alleged hard inquiry associated with my account INQUIRY - XXXX - XXXX. Regrettably, I have no recollection of authorizing such an inquiry, and I am now seeking your kind assistance in providing documentation related to the credit application. Specifically, I request proof of a signature or any supporting evidence that confirms my application for credit with the mentioned company. In the absence of such validating documentation, I earnestly urge you to expeditiously remove the alleged inquiries from my credit report. 
INQUIRY - XXXXXXXX XXXX XXXX XXXX  XXXX Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly remove it from my credit report. 

see attachment

Company response to consumer: Closed with non-monetary relief