Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate, Obsolete, and Unverifiable Items Legal Notice Under 15 U.S.C. 1681c-2 & 1681i To Whom It May Concern, This is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, unverifiable, and obsolete information currently reported on my credit file. Under 15 U.S.C. 1681c-2, I request the deletion of obsolete and inaccurate data, and under 15 U.S.C. 1681i, I demand a reinvestigation and removal of any item that can not be verified with original documentation. 

Correct Personal Information Name : XXXX XXXX XXXX Address : XXXX XXXX, XXXX, IL XXXX Please ensure only this current and verified information appears on my credit file and delete any outdated or incorrect entries. 

Disputed Accounts I am disputing the accuracy and/or ownership of the following accounts listed on my credit report. These items are inaccurate, unverifiable, or incomplete and must be immediately deleted under federal law : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple entries ) Additionally, the following public record must be removed : XXXX  XXXX BANKRUPTCY This is either obsolete, inaccurate, or unverifiable and must be deleted immediately under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Inquiries to Be Removed I dispute the following unauthorized hard inquiries, which appear on my credit report without a permissible purpose as defined by 15 U.S.C. 1681b. These inquiries must be permanently removed from my consumer file : XX/XX/XXXXXXXX XXXX XXXX ( Experian ) XX/XX/XXXX : XXXX XXXX  ( Experian ) XX/XX/XXXX : XXXX ( TransUnion ) XX/XX/XXXX : XXXX  ( TransUnion & Experian ) XX/XX/XXXX : XXXX  XXXX ( TransUnion & Experian ) XX/XX/XXXX : XXXX ( Equifax ) XX/XX/XXXX : XXXX XXXX/XXXX  ( Experian ) XX/XX/XXXX : XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( TransUnion ) XX/XX/XXXX : XXXX XXXX & XXXX XXXX ( TransUnion ) XX/XX/XXXX : XXXX ( Equifax ) XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  ( TransUnion ) XX/XX/XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX ( Equifax ) XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( TransUnion ) XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( Equifax ) XX/XX/XXXX : XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX # XXXX ( Equifax ) XX/XX/XXXX : XXXX ( TransUnion ) XX/XX/XXXX : XXXX XXXX  ( TransUnion ), XXXX  ( Equifax ) XX/XX/XXXX : XXXX ( Experian ) XX/XX/XXXX : XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XX/XX/XXXX : [ Inquiry missing full info please review ] These inquiries are not authorized and are in direct violation of my rights under the FCRA. 

Legal Basis for Removal 15 U.S.C. 1681c-2 Provides the right to request removal of outdated or inaccurate items. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires consumer reporting agencies to conduct a reasonable reinvestigation. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires deletion of any item that can not be verified. 

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Requires disclosure of the method of verification and documentation used. 

Supporting Case Law XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must do more than accept data from furnishers at face value. 

XXXX  v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs are liable for failing to assure maximum possible accuracy. 

XXXXXXXX XXXX XXXX v. XXXX, XXXX XXXX. XXXX ( XXXX ) Billing statements are not sufficient proof of debt validity. 

Formal Requests Immediately delete all accounts, inquiries, and public records listed above. 

Provide me with written confirmation of each deletion within 30 days. 

Provide a full copy of my updated credit report reflecting all corrections. 

Disclose all documentation used to verify these items, including original signed contracts or legal judgments. 

Notice of Legal Action Failure to comply will result in formal complaints being filed with the CFPB, FTC, and potential civil litigation for violations of : 15 U.S.C. 1681n Statutory damages up to {$1000.00} per violation 15 U.S.C. 1681o Actual damages, punitive damages, and recovery of legal fees Please treat this as a final notice. I expect your full compliance under federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief