Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of several negative items and inquiries appearing on my credit report. These entries are inaccurate, unauthorized, and their continued reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, I was affected by the Equifax data breach, which has further exposed me to potential identity theft and fraud. 

Below are the details of the items I dispute : Negative Items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( appears twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reasons for Dispute : Inaccurate Reporting : These items do not belong to me, and I have no accounts or agreements with the listed creditors. 

Failure to Investigate : Per the CFPBs recent enforcement action against Equifax ( XX/XX/year> ), your agency has been found in violation of the FCRA by failing to thoroughly investigate consumer disputes. This raises serious concerns about the validity of these items. 

Potential Identity Theft : As a victim of the Equifax data breach, I am concerned that the inaccurate items and unauthorized inquiries on my report may result from identity theft or errors. 

Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am legally entitled to have all fraudulent accounts and inquiries permanently blocked and deleted from my credit file. Additionally, under Section 605B of the FCRA, these items must be removed within four ( 4 ) days of receipt of this dispute. 

I am requesting the following actions be taken within 30 days as required by law : Verification of Negative Items : Provide documentation from the furnishers of the disputed items verifying their accuracy, including signed agreements, account statements, and proof of liability. If such documentation can not be provided, these items must be deleted immediately. 

Removal of Unauthorized Inquiries : Since the inquiries listed above were not authorized by me, I demand their removal from my credit file. 

Confirmation of Resolution : Notify me in writing once the investigation is complete and provide an updated credit report reflecting any corrections. 

Enclosed with this letter are copies of my identification ( e.g., drivers license ), proof of address ( e.g., utility bill ), and a copy of my credit report with the disputed items highlighted for your reference. 

Please be advised that failure to comply with this request may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies, or pursuing legal remedies for damages caused by inaccurate reporting. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief