Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring to your attention a matter of great concern regarding unauthorized credit inquiries that have appeared on my credit report. I have recently reviewed my credit report and identified numerous unauthorized credit inquiries that I have no recollection of authorizing. These inquiries not only impact my credit score but also violate several key consumer protection laws designed to safeguard my rights as a consumer. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy and privacy of the information in my credit report. Unauthorized credit inquiries, as detailed in the FCRA 1681b ( f ), are in direct violation of my rights. Additionally, these inquiries negatively affect my creditworthiness and may impede my access to credit on fair and equal terms, which further infringes upon my rights under the Equal Credit Opportunity Act ( ECOA ) and the Truth in Lending Act ( TILA ). 

I would like to draw your attention to the following unauthorized credit inquiries on my credit report : XXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXXXXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXXXXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX XXXX  | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX, XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXXXXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXXXXXX XXXX XXXXXXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXXXXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXXXXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXX XXXX XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXXXXXX XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXXXXXX XXXX XXXX  | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX XXXXXXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX  XXXX | XX/XX/XXXX : Unauthorized credit pull. 
XXXX XXXX | XX/XX/XXXX : Unauthorized credit pull. 

These inquiries have been made without my consent or authorization, violating my rights under the FCRA, ECOA, and TILA. I have also noticed violations of the Fair Debt Collection Practices Act ( FDCPA ) as these inquiries were not initiated in accordance with any existing debt collection activity. Furthermore, the unauthorized inquiries are in direct contradiction to the Fair and Accurate Credit Transactions Act ( FACTA ), which guarantees me the right to dispute and have inaccurate or unauthorized information removed from my credit report.

I demand that these unauthorized credit inquiries be promptly and thoroughly investigated and removed from my credit report in compliance with the applicable laws, including the FCRA, ECOA, TILA, FDCPA, FACTA, and other relevant consumer protection statutes.

Please provide me with written confirmation of the actions taken to address this matter within 30 days of receiving this letter. Failure to comply with my request may result in legal action to protect my rights under the aforementioned laws.

I appreciate your immediate attention to this matter and your commitment to upholding the consumer protections afforded by the laws mentioned above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation