Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute multiple unauthorized credit inquiries and unverified data reflected on my credit file that violate my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), Metro 2 Compliance standards set forth by the XXXX XXXX XXXX XXXX ( XXXX ), and related consumer protection laws. Upon receiving my credit report, I have reviewed the information furnished and found serious violations in the reporting practices that demand immediate corrective action. 

You, as the provider of this data, are obligated to maintain the highest standard of accuracy, completeness, and full compliance with Metro 2 reporting guidelines. As clearly outlined in the XXXX XXXX XXXX XXXX XXXX ( XXXX ), any deviation from these standards jeopardizes the integrity of the data you provide and strips you of any conditional privilege to report such data under the law. 

Specifically, I challenge the inclusion of the following inquiries, which appear without my knowledge, consent, or permissible purpose as required by 15 USC 1681b : Listed below are the Inquiries that are being challenged : 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 Under FCRA 1681b, you are required to demonstrate that each party who accessed my credit file had a valid permissible purpose with documented authorization from me. Since I have no recollection of granting any such authorizations, these inquiries constitute unauthorized access to my personal credit file, which may further implicate violations of 15 USC 1681q ( obtaining credit reports under false pretenses ). 

I remind you that it is your legal duty to verify and validate the accuracy of all information you furnish and maintain. I do not accept the continued reporting of any item you can not support with certified, undeniable documentary evidence. Anything less than full compliance constitutes willful noncompliance and may subject you to liability under 15 USC 1681n and 1681o. 

Therefore, I demand the following : Immediately DELETE all unproven inquiries listed above from my credit report. 

Provide me with full documentation, including signed authorization, contracts, or applications proving my consent for each inquiry. 

Provide a complete copy of your internal investigation results confirming your compliance with FCRA and Metro 2 standards. 

You are required to complete your reinvestigation within the timeframe mandated by FCRA 1681i and notify me in writing of the actions taken. Failure to comply will leave me no choice but to escalate this matter with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and seek legal remedies. 

I expect your full compliance. This matter is extremely serious, and I intend to protect my rights to the fullest extent of the law.

Company response to consumer: Closed with non-monetary relief