Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Phone : XXXX Email : XXXX Subject : Formal Dispute of Unverifiable Accounts & Inquiries Legal Notice under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i To Whom It May Concern : I am formally disputing the accuracy and validity of multiple accounts and inquiries currently reported on my credit file. This demand is issued pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which grants consumers the right to request the removal of obsolete or inaccurate information, and 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct reasonable reinvestigations and delete unverifiable information. 

Disputed Accounts to Be Deleted Immediately : XXXX  ( Reinserted ) Delete immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts are inaccurate, incomplete, or can not be verified through original documentation, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ).

Unauthorized Inquiries to Be Deleted Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 lack permissible purpose under 15 U.S.C. 1681b, and therefore must be permanently deleted. 

Update Personal Information : Correct Name and Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Phone : XXXX Email : XXXX Delete all aliases, old addresses, and undeliverable addresses immediately. 

Legal Basis for Immediate Deletion : Under 15 U.S.C. 1681c-2, I have the explicit right to request deletion of obsolete or inaccurate information.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are obligated to conduct a reasonable reinvestigation upon notice of dispute and delete information that can not be verified.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information disputed is found to be inaccurate or can not be verified, it must be promptly deleted from the file.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with all documentation used to verify these accounts and inquiries. 

Supporting Case Law : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Consumer reporting agencies are liable for failing to follow reasonable procedures to ensure maximum possible accuracy. 

Cushman v. TransUnion Corp., XXXX XXXX XXXX ( XXXX Cir. XXXX ) Confirms that the CRA must do more than rely on furnishers verification alone. 

XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX ( XXXX ) Establishes that billing records alone do not constitute sufficient debt validation. 

Demand for Immediate Action : 1 Immediate deletion of all listed inaccurate, incomplete, unverifiable accounts and inquiries.

2 Written confirmation of each deletion within 30 days, as required by law.

3 Updated credit report reflecting all deletions.

4 Copies of all documents used in any attempted verification. 

Notice of Remedies : Failure to comply will constitute willful and/or negligent noncompliance with the FCRA, and I will pursue all available legal remedies, including : Statutory damages up to {$1000.00} per violation ( 15 U.S.C. 1681n ( a ) ).

Actual and punitive damages for financial and emotional harm. 

Recovery of attorneys fees and court costs. 

Please provide a full written response and updated credit report to the address listed above within the legally required timeframe. 

Thank you for your prompt attention and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief