Consumer complaint received 2025-10-23 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Experian Information Solutions , Inc . 
P.O. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Cease and Desist & Inquiry Removal Demand under XXXX U.S.C. XXXX, XXXX, and XXXX Dear Experian, Equifax, and TransUnion XXXX XXXX, I, XXXX XXXX XXXX XXXX, am writing to formally demand the immediate removal and permanent suppression of all unauthorized or outdated credit inquiries appearing on my consumer credit profiles maintained by your agencies. 

This notice serves as a Cease and Desist Demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, as well as the Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 ( a ). 

I am invoking my right to privacy and accuracy as a consumer. Your agencies are required by federal law to ensure that all information furnished to my credit file is verified, authorized, and obtained with a permissible purpose as defined in 15 U.S.C. 1681b. Any inquiry lacking my express written consent or a permissible purpose is unauthorized and must be deleted immediately. 



XXXX XXXX Demands : 1. Under 15 U.S.C. 1681b, I demand full disclosure of the permissible purpose, authorization, and identity of any entity that accessed or pulled my credit report. 
XXXX. Under 15 U.S.C. 1681i, I am disputing the completeness and accuracy of all inquiries listed in my file that lack proper verification. You are required to conduct a reinvestigation and delete all unverifiable or unauthorized inquiries within 30 days of receiving this letter.

3. Under 15 U.S.C. 1692c, I hereby order your company and any associated data furnishers to cease all communication and information sharing regarding my consumer report, except where explicitly required by law.

4. Under 15 U.S.C. 45 ( a ), continued reporting or distribution of unverified data constitutes an unfair or deceptive act or practice, subject to enforcement by the Federal Trade Commission ( FTC ). 



Required Actions : Delete all unauthorized or outdated credit inquiries from my consumer files immediately. 
Provide written confirmation within 30 days that all unverified inquiries have been removed. 
Provide a copy of my updated credit report reflecting the removal of those inquiries. 

Failure to comply with this notice will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Massachusetts Attorney Generals Office, and I will pursue legal remedies for damages, costs, and attorneys fees as allowed under XXXX5 U.S.C. 1681n and 1681o. 

This is a final demand for compliance under federal consumer protection law. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation