Consumer complaint received 2025-10-26 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: CA

Complaint narrative:
Subject : FCRA Dispute Equifax XXXX XXXX XXXX ( AIDR # XXXX ) Remove Unauthorized Hard Inquiries & Reinvestigate XXXX and XXXX Tradelines No Fraud Alert or Freeze Requested Dear Compliance Team, I am disputing specific information on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This dispute is based on my confirmed impact from the Equifax Data Breach. The official settlement site states that your personal information was impacted by this incident and instructs me to contact XXXX  Assisted Identity Restoration with engagement number XXXX. Please note this context and attach this reference to my file. 
I am not requesting a fraud alert or a security freeze. Please do not place either as part of this dispute. 
XXXX ) Unauthorized hard inquiries delete unless you can document my authorization Under FCRA 604 ( 15 U.S.C. 1681b ), a hard inquiry requires a permissible purpose initiated or expressly authorized by me. I did not authorize or initiate applications tied to the following pulls. If these appear on my file with your agency, delete them unless you can produce competent evidence of my authorization ( e.g., signed application, authenticated online application logs including timestamp, IP address, device ID, and session records ) : XXXX XXXX XXXX XXXX XX/XX/XXXX ( removal XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX ( removal XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ( removal XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ( removal XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ( removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ( removal XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ( removal date not shown ) The only correctly authorized hard inquiry is : XXXX XXXX Inquiry date XX/XX/XXXX ( removal XX/XX/XXXX ) Per 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), provide the method of verification for each disputed inquiry and the name, address, and telephone number of the party that obtained my report. 
XXXX ) Reinvestigate / delete tradelines not opened or authorized by me Please conduct a reasonable reinvestigation under FCRA 611 ( a ) and delete or correct any information that is inaccurate, incomplete, or can not be verified. During reinvestigation, mark the items in dispute and notify furnishers. 
XXXXXXXX XXXX XXXX Account ending XXXX XXXX  : Not mine / unauthorized account. Authenticate the application to my authorization with competent records ( see evidentiary standard above ). If you can not verify, delete the tradeline and any associated hard inquiry. 
XXXX ( appearing as XXXX, Account ending XXXX XXXX XXXX Not mine / unauthorized account. Same request and remedy as above. 
I am not disputing any other items at this time.

3 ) Results required & reinsertion standard Please provide within the FCRA timelines : The result for each item and an updated credit report, per 611 ( a ) ( 5 ).

The method of verification and furnisher details for each item verified, per 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ).

Confirmation that any deletions will not be reinserted without certifications and the required notice, per 611 ( a ) ( 5 ) ( B ) ( C ).

4 ) Timing Complete your reinvestigation within 30 days of receiving this dispute ( or 45 days if I submit additional documents later ), per 611 ( a ) ( 1 ).

Thank you for your prompt attention. Again, do not place a fraud alert or security freeze as part of this request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief