Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Re : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am formally disputing the accuracy of the information being reported on my credit file. The following items are inaccurate, unverifiable, or incomplete and must be immediately corrected or deleted under the Fair Credit Reporting Act ( FCRA ). 

Public Record to Be Deleted XXXX  XXXX BANKRUPTCY Accounts in Dispute XXXX  Account No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account No. : XXXXXXXX XXXX  DPT EDXXXX Account Nos. : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX Account Nos. : XXXXXXXX XXXX  ( multiple entries ) XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX  DEPT ED Account Nos. : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( multiple entries ) Inquiries to Be Deleted Immediately The following inquiries were made without permissible purpose and must be removed under 15 U.S.C. 1681b : XX/XX/XXXX : XXXX  ( Experian ) XX/XX/XXXX : XXXX  XXXX  ( Experian ) XX/XX/XXXX : XXXX  ( TransUnion ) XX/XX/XXXX : XXXX ( TransUnion & Experian ) XX/XX/XXXX : XXXX  XXXX ( TransUnion & Experian ) XX/XX/XXXX : XXXX ( Equifax ) XX/XX/XXXX : XXXX XXXX ( Experian ) XX/XX/XXXX : XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion ) XX/XX/XXXX : XXXX XXXX & XXXX XXXX ( TransUnion ) XX/XX/XXXX : XXXX ( Equifax ) XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion ) XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX ( Equifax ) XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian ) XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( Equifax ) XX/XX/XXXX : XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX # XXXX XXXX Equifax ) XX/XX/XXXX : XXXX ( TransUnion ) XX/XX/XXXX : XXXX XXXX  ( TransUnion ), XXXX  ( Equifax ) XX/XX/XXXX : XXXX ( Experian ) XX/XX/XXXX : XXXX XXXX XXXX TransUnion ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XX/XX/XXXX : [ Creditor not specified ] Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate these disputes and forward all relevant information to the furnishers. The furnishers are obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate or unverifiable data.

Accordingly, I request that you : Initiate an immediate investigation into the accuracy of the above-listed accounts, public record, and inquiries.

Provide me with written results of your investigation, including the details supplied by the furnishers.

Remove or correct any item that can not be verified with full documentation.

I am including copies of supporting documents that demonstrate the inaccuracy of this information. Please ensure that my dispute and supporting evidence are included in my file and forwarded to the furnishers for proper review.

Failure to comply with these requirements will constitute a violation of federal law, for which I reserve the right to pursue all legal remedies.

I expect your full compliance and response within the statutory time frame. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation