Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I am formally disputing the reporting of multiple items on my credit file that are inaccurate, incomplete, untimely, unverifiable, and non-compliant with FCRA, Metro 2 formatting standards, and applicable federal and state laws. 

Upon reviewing my credit report, I identified several inconsistencies and items that do not belong to me or are not supported by proper documentation or a valid permissible purpose. These accounts and inquiries have not been verified with my direct consent and are being reported without compliant validation. 

This letter serves as my written notice to demand immediate deletion of the following disputed accounts, inquiries, and personal information from my credit report : Inquiries Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized, and no verifiable, signed consent has been presented. Under FCRA 604 ( 15 U.S.C. 1681b ), any inquiry must be supported by a valid permissible purpose and explicit consumer authorization. Failure to provide such proof makes these inquiries unlawful. 

Accounts Being Challenged XXXX XXXX Collections Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts remain unverified and appear to be based on outdated, incomplete, or fraudulent information. You are required by FCRA 611 and Metro 2 compliance to ensure the accuracy, completeness, and timely reporting of all credit data. Reporting contradictory or false data violates FCRA 1681e ( b ) and constitutes willful noncompliance. 

Personal Information Being Challenged Incorrect Name : XXXX XXXX Incorrect Name : 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 This personal information is not accurate, not mine, and must be deleted immediately to avoid further damage to my credit identity. 

Legal Standing and Final Warning If you continue to report unverifiable or incorrect data without producing original contracts or validated evidence, you will be in violation of FCRA, including but not limited to : 1681e ( b ) Duty to maintain maximum accuracy 1681i Failure to reinvestigate disputed information 1681b Lack of permissible purpose for inquiries 1681s-2 ( a ) Reporting information with knowledge of inaccuracy Let me also remind you that you have no legal authority to compel me to respond or interact further unless you can produce a signed agreement between us. Any attempt to collect, coerce, or pressure without such agreement may constitute harassment, willful negligence, or extortionall of which are criminal offenses.

Requested Action and Resolution I hereby demand : Immediate deletion of the accounts, inquiries, and personal information listed above. 

A full investigation and written response within 30 days as required under FCRA. 

A hard copy of my updated credit report reflecting the corrections. 

Failure to respond appropriately or correct the inaccurate data may result in escalation through legal counsel, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). 

This is my final notice. I expect compliance.

Company response to consumer: Closed with non-monetary relief