Consumer complaint received 2025-05-30 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: MI

Complaint narrative:
I am submitting this complaint because my credit report, which I recently obtained from XXXX, contains multiple unauthorized inquiries and incorrect personal information. Despite my formal dispute under the Fair Credit Reporting Act ( FCRA ), these items remain unresolved and unverifiable. 

This dispute is specific, valid, and supported by proper documentation, yet the credit reporting agency has failed to perform a reasonable reinvestigation or meet legal obligations under the FCRA. 

Disputed Items Unauthorized Inquiries I did not authorize the following hard inquiries. I never applied for credit or services that permitted these companies to access my credit file. Under FCRA, if an inquiry can not be verified or was made without a permissible purpose, it must be deleted. 

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 XXXXXX/XX/XXXX These inquiries appear to have been conducted without my knowledge or consent, and I request their immediate removal. 

Legal Violations The reporting agency is in violation of the following FCRA provisions : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable and timely reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a detailed method of verification upon request 15 U.S.C. 1681g : Failure to provide full file disclosure when requested Requested Action I am requesting the following relief under my rights as a consumer : Immediate deletion of all unauthorized hard inquiries listed above A complete method of verification including : Names and contact information of any parties contacted Documentation relied upon for verifying each inquiry A full explanation of the procedures used during the reinvestigation A full consumer file disclosure including : All data currently held in my file A detailed list of all soft and hard inquiries, with date and reason A copy of any certifications submitted by third parties who accessed my report Correction of Personal Information The agency must also remove any outdated, unverifiable, or inaccurate personal information. Only the following identifying details are accurate and should remain in my file : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 SSN Digits : XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Michigan XXXX All variations of my name, incorrect SSN digits, former addresses, phone numbers, and invalid employers must be permanently deleted. 

Deadlines for Response Under federal law, you are required to : Respond to this dispute within 30 days per 15 U.S.C. 1681i ( a ) Provide a detailed method of verification within 15 days per 15 U.S.C. 1681i ( a ) ( 7 ) I do not consent to electronic communication. All responses must be sent by postal mail only. 

Further Action If the agency fails to comply, I will escalate this matter by filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Michigan Attorney Generals Office Additionally, I reserve the right to pursue legal action for any damages resulting from these violations. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief