Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter requesting an account update, however I am only receiving partial updates. Below is a copy of the request. 

Subject : Formal Dispute and Request for Deletion of Inaccurate Information Under the Fair Credit Reporting Act Dear Equifax Dispute Department, I am submitting this written dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. regarding inaccurate and unauthorized information that appears on my Equifax credit report.

Please carefully review and remove the following items : 1. Incorrect Employers I request immediate deletion of the following employers inaccurately associated with my credit profile : XXXX XXXX  XXXX XXXX XXXX  XXXX These entities are not my current or former employers and were listed in error. 

XXXX. Unauthorized or Unfamiliar Hard Inquiries The following hard inquiries were made without my knowledge, consent, or receipt of credit or services. Under FCRA 604 ( a ) ( XXXX ), credit inquiries must be based on a permissible purpose, and I deny granting such purpose to the following companies : Date Company Name Address 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 should be removed immediately to prevent ongoing harm to my credit profile. 

XXXX. Suspicious and Excessive Soft Inquiries Although soft inquiries do not impact credit scores, the volume and frequency of the following soft inquiries particularly those from Equifax systems raises concern about automated or erroneous activity. I request a formal investigation and written explanation for : Date Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XX/XX/2025 Equifax Information Services XXXX XXXX XXXX XXXX XXXX If any of these inquiries were internal or systemic, please explain the source, purpose, and justification for this volume of activity. I request removal of any that can not be verified as necessary or legally compliant. 

Legal Basis Under FCRA 611, consumer reporting agencies must investigate and correct inaccurate or unverifiable information within XXXX  days of receiving a dispute. You are also required to provide written notice of the results, including an updated report, and notify all parties who received the inaccurate information. 

Requested Action Remove the inaccurate employers Delete all unauthorized or unexplained hard inquiries Investigate and explain the source of excessive soft inquiries Provide a corrected copy of my credit report after adjustments are made Send confirmation in writing to the contact details above Thank you for your immediate attention to this matter. Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) and may trigger legal review. 

Sincerely, XXXX XXXX [ Signature if mailing ] Would you like this as a downloadable PDF or formatted for upload to Equifaxs online dispute system? I can prepare that next. 








Ask XXXX

Company response to consumer: Closed with non-monetary relief