Consumer complaint received 2025-11-08 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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax P.O. XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Equifax , I trust this correspondence finds you well. I am writing to formally dispute XXXX ( XXXX ) credit inquiries reflected on my credit report, which I believe are inaccurate and potentially detrimental to my creditworthiness. As a consumer, I am cognizant of my rights protected by the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Metro 2 laws, all of which mandate fair and precise reporting of credit information. 

As per the stipulations of the Fair Credit Reporting Act, credit inquiries are permissible only under specific circumstances, including : 1. A Firm Offer of Credit 2. Insurance 3. An Application for Employment " 4. A Court Order The first inquiry under dispute was allegedly initiated by XXXX XXXX XXXX XXXX  XX/XX/XXXX. However, I have not had business of engaging in any business dealings with XXXX XXXX  nor have I authorized such a credit inquiry. In adherence to my rights under the FCRA, I have directly contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unverified Third-Party Collection Accounts/ Request for Deletion Dear Equifax Compliance Department , I am submitting this notice to dispute and request removal of the following collection accounts from my XXXX  credit file : XXXX XXXX Account XXXX No verified account number shows on report hard inquiry remains These accounts were reported to my consumer report without proper notice or validation, which is required prior to furnishing under Regulation F CFPB, effective XX/XX/XXXX, and FDCPA 1006.30 ( a ) regarding restrictions on credit reporting of unverified debt. 
Additionally, under 15 U.S.C. 1692c ( c ), I am exercising my right to request that all communication and collection activity regarding these alleged debts cease.

Under FCRA 1681s-2, a furnisher may not report information that is inaccurate or can not be verified. Since these accounts were not validated prior to reporting, they are unverified and must not continue to be reported. 

The second inquiry, conducted by XXXX XXXX  on XX/XX/XXXX. However, I have no recollection of engaging in any business dealings with XXXX XXXX nor have I authorized such a credit inquiry. In adherence to my rights under the FCRA, I have directly contacted XXXX XXXX to address this discrepancy, requesting the removal of the inquiry from their records and the subsequent update of all credit reporting agencies. While XXXX XXXX  has assured me of their cooperation in rectifying this matter, I am also seeking your agency 's assistance to ensure a comprehensive investigation. 

In accordance with Section 604 of the Fair Credit Reporting Act, consumer reports may solely be utilized for the purposes delineated in 15 U.S. Code 1681b In general. Under subsection ( F ), it is emphasized that consumer reporting agencies may furnish consumer reports only when there exists a legitimate business need for the information, notably in connection with a business transaction initiated by the consumer. 

Furthermore, in accordance with 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, consumer reporting agencies are mandated to promptly delete any inaccurate, incomplete, or unverifiable information identified following a consumer 's dispute. 

Considering my forthcoming intention to apply for a home mortgage for my family, it is imperative that my credit report accurately reflects my creditworthiness. Therefore, I respectfully request the immediate removal of the disputed inquiries from my credit report.

I kindly urge you to conduct a thorough investigation into these matters and furnish me with a comprehensive report of your findings within the next two weeks, as per the timelines prescribed by the FCRA. Your timely resolution of this dispute would be immensely appreciated. 

Thank you for your prompt attention to this matter and for ensuring that the information on my credit report is fair, accurate, and compliant with the pertinent laws. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief