Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Final Dispute- Failure to Provide Proof or Method of Verification for Hard Inquiries ( FCRA Violations ) To Whom It May Concern, This in my final written notice disputing the unauthorized hard inquiries that you claim to have verified following my previous request. To date, you have failed to provide any evidence, documentation, or the method of verification as required by the Fair Credit Reporting Act ( FCRA ). 

Let me absolutely clear : your re-investigation response is legally insufficient and constitutes a willful violation of the following FCRA provisions : VIOLATIONS COMMITTED : FCRA 611 ( a ) ( 7 ) - You are required to provide a description of the procedure used to determine the accuracy and completeness of any information you verify, including : The name and contact information of the party who verified the inquiry.

A copy of the authorization or proof that I gave consent for the inquiry.

FCRA 604 ( a ) - Only persons with a permissible purpose may access a consumer report. You have provided no proof that these entries had such purpose or obtained my consent.

FCRA 607 ( b ) - You are required to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. Verifying a hard inquiry without proof of authorization is a direct violation. 


MY DEMANDS : Provide the method of verification used for each disputed inquiry. 

Provide written documentation or evidence proving that I authorized each inquiry. 

If you can not produce these items, the inquiries must be immediately deleted from my credit file. 

Send me a settlement check for {$5000.00}, for violating me 5 times, {$1000.00} per violation, within 15 days. 

Send me written confirmation of your action within 15 days. 

If this matter is not resolved within that time-frame, I will pursue all available legal remedies, including : Filing formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ). Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Filing suit against your agency under FCRA 616 and 617 for {$1000.00} per violation, plus actual damages, court costs, and attorneys fees. 

You are now on final notice. Your continued failure to comply with federal law will be documented and used as evidence in court if necessary. To include, I submitted a request on XX/XX/XXXX to re-investigate the inquiries, and on XX/XX/XXXX, the re-investigation was completed without proper verification AGAIN. I submitted the dispute for XXXX on XX/XX/XXXX at XXXX XXXX, and received an email confirmation that my dispute was completed on XX/XX/XXXX at XXXX XXXX  ; XXXX was submitted on XX/XX/XXXX at XXXX XXXX, and received an email confirmation on XX/XX/XXXX at XXXX XXXX, my dispute was complete ; XXXX was submitted on XX/XX/XXXX at XXXX PM, and received an email confirmation on XX/XX/XXXX at XXXX XXXX, my dispute was complete, and XXXX on XX/XX/XXXX at XXXX XXXX, and received an email confirmation on XX/XX/XXXX at XXXX XXXX  stating my dispute was complete. 
Equifax rushed the re-investigation without providing the evidence, which is violating my rights under the Fair Credit Reporting Act, Equifax has 30 days to investigate a dispute and notify me of the findings. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation