Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I oreviously fied a formal comolaint with the federal Trade Commistion ( FTC ) XXXX XXXX unauthorized inguiries on my credit reoort. The reference number for that comolaint [ FTC Complaint Number XXXX ), filed on [ FTC Complaint Date XX/XX/XXXX My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that l initiated these inquiries and lack any written or verbal authorization from me. 
Due tot k of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is wty I filed a complaint with the FTC. 
XXXX XXXX outed Inquiries : Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that verification may occur through the EOSCAR system ( Electronic Online Solution for Complete and Accurate Reporting ) XXXX However, I would ike to emphasize that the use of this system does not replace the obligation for a thorough investigation. The Consumer Financial Protection Bureau ( CFPB ) has highlighted limitations in the XXXX system, indicating that its automated processes are insufficient in cases where accuracy depends | on the verification of underlying documentation. Therefore, I request a manual review of these unauthorized inquiries and a full verification of the relevant documentation. 
Additionally, I specifically request any original application forms or other initial documents the creditors may have on file. This ensures that only responses based on primary documentation are considered and not merely automated confirmations generated through XXXX. 
In accordance with my rights under the Fair Credt Reporting Act ( FCRA ), these inquiries violate the requirements for permissible purpose, verification, and information accuracy. Below, I outline the relevant FCRA provisions that XXXX '' XXXX. Section 604 ( 15 U.S.C. $ 1681b ) - Permissible Purposes for Disclosing Credit Reports The FCRA allows credit reporting aencies to disclose consumer reports only under specific circumstances, such as a legitimate business need or a consumer-initiated transaction. Since I have not authorized these inquiries, I request their deletion as they do not meet the permissible purposes defined by this section XXXX. Section 611 ( a ) ( 5 ) ( 15 U.S.C. S 1681KaXS ) ) - Handting of Inaccurate or Unvorifiable Information This section grants me the right to dispute any inaccurate, incomplete, or unveritiable information in my report. The FCRA requires credi bureaus to delete any unverdiable item promptly. I formally request XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Section 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. $ 1681g ) - Right of Access and Verification of Inquiries This FCRA section mandates that credit reporting azencies verify each inquiry listed on a consumer report, including presenting an original signed contract to prove my consent. Since you can not provide this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 623 ( 15 U.S.C. $ 1681s-2 ) - Responsibilities of Information Providers This FCRA requires information providers to ensure the accuracy and authorization of the information reported. These unauthorized inquiries do not meet these requirements, and the responsibility for their accuracy and authorization tins with both the credit bureau and tha information provider XXXX Section 605A ( 15 U.S.C. S 1681c-1 ) - Protection Against Identity Theft This provision mandates the removal of unauthorized inquiries that could potentially relate to identity theft. I request the deletion of these inquiries under this protection

Company response to consumer: Closed with explanation