Consumer complaint received 2025-12-21 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 SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute Multiple Collection Accounts & Unauthorized Hard Inquiries I am formally disputing the accuracy, completeness, legality, and verifiability of the collection accounts and hard inquiries listed below as they currently appear on my Equifax consumer credit report. I dispute each item in its entirety. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), all information reported must be accurate, complete, and verifiable through a reasonable investigation. As of the date of this dispute, the furnishers have failed to meet this standard. 

DISPUTED COLLECTION ACCOUNTS XXXX XXXX XXXX Account : XXXX Amount : {$460.00} / {$460.00} XXXXXXXX XXXX XXXX ( XXXX ) Account : XXXX Amount : {$8800.00} / {$8800.00} XXXX XXXX XXXX XXXX XXXX  Account : XXXX Amount : {$790.00} / {$790.00} XXXX XXXX XXXX Account : XXXX Amount : {$180.00} / {$180.00} XXXXXXXX XXXX XXXXXXXX Account : XXXX Amount : {$940.00} / {$950.00} ( inconsistent balance reporting ) XXXX XXXX XXXX XXXXXXXX Account : XXXX Amount : {$5500.00} / {$5500.00} DISPUTED HARD INQUIRIES ( NO PERMISSIBLE PURPOSE ) I did not authorize, apply for, or initiate any transaction with the following entities. These inquiries constitute unauthorized access to my consumer report in violation of XXXX XXXX. XXXX. 

XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX MAIL Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX No signed application, written authorization, or consumer-initiated transaction exists for these inquiries. Absent proof of permissible purpose, these inquiries are illegal and must be deleted. 

LEGAL BASIS FOR DISPUTE ( APPLIES TO ALL ITEMS ) Failure to provide a signed contract or application Failure to provide proof of ownership or chain of title ( collections ) Failure to provide itemized accounting from the original creditor Unauthorized access to my consumer report ( inquiries ) Inaccurate and inconsistent balance reporting Failure to meet the reasonable investigation standard under 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ) METHOD OF VERIFICATION RESTRICTION e-OSCAR EXPRESSLY PROHIBITED Equifax is hereby placed on notice that verification through e-OSCAR or any automated system is expressly prohibited.

Automated responses, data furnisher codes, or electronic confirmations do not constitute a reasonable investigation under the FCRA.

Any verification must be conducted via a manual investigation supported by documentary evidence, including : Signed consumer contracts or applications Proof of ownership and complete chain of title Itemized accounting records from the original creditor Any item verified through e-OSCAR will be deemed invalid, and continued reporting will constitute willful noncompliance.

DEMAND FOR IMMEDIATE RELIEF I demand that Equifax : Conduct a lawful, manual reinvestigation of all disputed items Require furnishers to provide verifiable documentary proof Immediately delete any item that can not be properly substantiated Failure to delete unverifiable collections or unauthorized inquiries exposes Equifax to liability under 15 U.S.C. 1681n and 1681o, including statutory and punitive damages.

Please provide written confirmation of the results of your investigation. Any item that can not be verified must be permanently deleted from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief