Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Formal Dispute and Request for Investigation and Deletion of Inaccurate/Unauthorized Items under 15 USC 1692c , 1692g, 1681e ( b ), 1635, and Related Consumer Protections To Whom It May Concern : I am writing to formally dispute the following accounts and inquiries currently appearing on my consumer credit reports. This letter is written pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute : XXXX-acct # : XXXX not my account, please remove XXXX XXXX-acct # : XXXX not my account, please remove XXXXXXXX XXXX XXXX- acct # : XXXX not my account, please remove These accounts are either inaccurately reported, unverifiable, or may have been established or reported without my full knowledge, consent, or legal validation. Therefore, I request a full investigation into the following items under : 15 USC 1692g Debt collectors must provide written validation of debt within 5 days of initial communication. I have not received sufficient documentation validating these debts.

15 USC 1692c Prohibits communication at unusual or inconvenient times or places, and with third parties without consent. If appl
icable, I reserve my right to not be contacted in violation of this provision.

15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. These accounts contain inaccuracies or lack verifiable documentation.

15 USC 1635 Provides a right of rescission and protection against certain unauthorized or unclear credit agreements. If any credit was extended without full and accurate disclosures, I hereby invoke my right to rescind.

15 U.S.C. 1681b ( a ) ( 1 ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' Inquiries to Be Removed : I further demand the removal of all unauthorized inquiries that were made without my express written consent. I did not authorize or initiate several inquiries reflected on my credit report, and under 15 USC 1681b, a permissible purpose must exist for any access to my credit file. 
XXXX  inquiry XX/XX/year> XXXX  inquiry XX/XX/year> Action Requested : Provide written verification and full documentation of each listed account, including original agreements bearing my signature, itemized statements, and all account history. 
Remove any and all unverifiable, inaccurate, outdated, or incomplete accounts from my credit reports. 
Immediately delete all unauthorized credit inquiries from all bureaus. 
Refrain from reporting or re-reporting any disputed item until it is fully validated as required by federal law. 
Immediately delete additional address & update current address.

Please conduct your reinvestigation within 30 days, as required by 15 USC 1681i. If these items can not be properly verified, they must be deleted from my credit report. 
Please mail all findings, updates, and confirmations of deletions to the address listed above.

Company response to consumer: Closed with non-monetary relief