Consumer complaint received 2025-07-18 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 Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Unverifiable Accounts & Inquiries Legal Notice under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i To Whom It May Concern : I am formally disputing the accuracy and validity of multiple accounts and inquiries currently reported on my credit file. This demand is issued pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which grants consumers the right to request the removal of obsolete or inaccurate information, and 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct reasonable reinvestigations and delete unverifiable information. 

Disputed Accounts to Be Deleted Immediately BANKRUPTCY ( Reinserted ) Delete immediately! 

XXXX XXXX Account No. : XXXX XXXX. XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) Account No. : XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account No. : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Account No. : XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX Account No. : XXXX XXXX Account No. : XXXX XXXX XXXX XXXX  Account No. : XXXX XXXX XXXX XXXX  Account No. : XXXX XXXX XXXX Account No. : XXXX XXXX Account No. : XXXX XXXX Account No. : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account No. : XXXX These accounts are inaccurate, incomplete, or can not be verified through original documentation, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). 

Unauthorized Inquiries to Be Deleted Immediately XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX These inquiries lack permissible purpose under 15 U.S.C. 1681b, and therefore must be permanently deleted. 

Update Personal Information Correct Name and Address : XXXX XXXX XXXX XXXX XXXX. 

XXXX, IL XXXX Phone : XXXX Email : XXXX Delete all aliases, old addresses, and undeliverable addresses immediately. 

Legal Basis for Immediate Deletion 15 U.S.C. 1681c-2 : Right to request deletion of obsolete or inaccurate information.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires reasonable reinvestigation upon notice of dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires prompt deletion if information is inaccurate or can not be verified.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : You must provide documentation used to verify disputed information. 

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

XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs must do more than rely solely on furnishers. 

XXXX XXXX XXXX  v. XXXX, XXXX XXXX. XXXX ( XXXX ) Billing records alone do not validate debt. 

Demand for Immediate Action Immediate deletion of all listed inaccurate, incomplete, unverifiable accounts and inquiries.

Written confirmation of each deletion within 30 days.

Updated credit report reflecting all deletions.

Copies of all documents used in any attempted verification.

Notice of Remedies Failure to comply will constitute willful and/or negligent noncompliance with the FCRA, and I will pursue all available legal remedies, including : Statutory damages up to {$1000.00} per violation ( 15 U.S.C. 1681n ( a ) ).

Actual and punitive damages for financial and emotional harm.

Recovery of attorneys fees and court costs.

Please provide a full written response and updated credit report to the address listed above within the legally required timeframe.

Thank you for your prompt attention and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation