Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint against several furnishers and credit reporting agencies for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.. The accounts and inquiries listed below are reporting inaccurately, unlawfully, and without proper validation or permissible purpose. These actions are damaging my credit profile, reputation, and financial opportunities. 

The following accounts are in dispute : 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 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 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 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 XXXXXX/XX/XXXX | Hard Inquiry Legal Basis : Under FCRA 602 ( A ), consumers have the right to fair and accurate credit reporting. Reporting accounts with inaccurate balances, unverifiable late payments, and unvalidated collections constitutes a violation.

FCRA 604 prohibits credit inquiries without a permissible purpose. The XXXX inquiry is unauthorized and therefore unlawful. 

FCRA 609 ( a ) ( 1 ) grants me the right to request the method of verification for all information furnished. To date, no such verification has been provided. 

FCRA 611 requires credit reporting agencies to conduct a proper reinvestigation of disputed accounts. Failure to provide verified documentation from the original creditor is a violation. 

For third-party collectors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDCPA 809 ( b ) requires debt validation upon request before reporting to consumer credit files. These debts remain unvalidated and therefore must be deleted. 

Requested Resolution : I am demanding an immediate and thorough investigation into these accounts and inquiries. Unless full validation, including original signed contracts and itemized account histories, is produced, these accounts and inquiries must be permanently deleted from my credit reports. Failure to comply constitutes continued violations of federal law and subjects the furnishers and credit reporting agencies to liability under FCRA 616617 and FDCPA 813814.

Company response to consumer: Closed with explanation