Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX SSN : XXXX Date : XXXX XXXX, XXXX Sent Via Certified Mail Return Receipt Requested To : XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 Re : Formal Dispute of Illegal Late Payment Reporting, Unverified Accounts, and Unauthorized Inquiries FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611, 15 U.S.C. 1681 et seq.

Dear Compliance Department, This is a formal dispute under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681. I am disputing the late payments, unverified accounts, and unauthorized inquiries appearing on my consumer credit file. The items listed below are being reported inaccurately without proper verification as required by law. 
FCRA 607 ( b ) mandates that only accurate and verifiable information may be reported. FCRA 611 ( a ) ( 1 ) ( A ) requires deletion of any information that can not be verified. Continuing to report unverifiable data constitutes willful noncompliance and subjects you to civil liability under FCRA 616617. 


ACCOUNTS TO BE DELETED AS UNVERIFIED : - 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 


UNAUTHORIZED CREDIT INQUIRIES TO BE DELETED IMMEDIATELY : 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 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 These inquiries were NOT authorized by me and therefore violate FCRA 604 ( a ) ( 2 ), which requires permissible purpose prior to obtaining a consumer report. 

LEGAL CASE PRECEDENTS SUPPORTING REMOVAL : - Cushman v. Trans Union, 115 F.3d 220 ( 3rd Cir. XXXX ) - Dalton v. Capital Associated Industries, 257 F.3d 409 ( 4th Cir. XXXX ) - Saunders v. BB & T ;, 526 F.3d 142 ( 4th Cir. XXXX ) - Carvalho v. Equifax, 629 F.3d 876 ( 9th Cir. XXXX ) - Gorman v. Experian, 584 F.3d 1147 ( 9th Cir. XXXX ) DEMAND FOR ACTION : You must provide : 1. Method of Verification per FCRA 611 ( a ) ( 7 ) 2. Full account-level documentation 3. Signed consumer contract 4. Payment history 5. Proof of permissible purpose FAILURE TO COMPLY : If you fail to comply within 15 days, I will file complaints with the CFPB, FTC, State Attorney General, and pursue civil litigation under FCRA 616617. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief