Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Equifax. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Equifax to maintain a credit report on my behalf. 
Equifax has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights. 
Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under the Fair Credit Reporting Act ( FCRA ) specifically 15 USC 1681i, you are required to show me the procedures you used to verify this information on my credit report. If you can not verify the accuracy, the information must be deleted from my credit report as soon as possible.

The following unauthorized items need to be deleted from my file immediately 1. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. This is Questionable XXXX XXXX XXXXcount Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. This is Questionable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. This is Questionable XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. This is Questionable XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 
XXXX. This is Questionable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. This is Questionable XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief