Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is FACTUAL DATA, COMENITYCAPITAL/ALPH, XXXX XXXX XXXX, XXXX XXXX, RATE GENIUS, UNIVERSAL CREDIT SER.. to whom this XXXX concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : COMENITYCAPITAL/ALPH inquired on XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX DATA inquired on XX/XX/XXXX XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX & XXXX XXXX XXXX, RATE GENIUS inquired on XX/XX/XXXX XXXX, UNIVERSAL CREDIT SER inquired on XX/XX/XXXX XXXX XXXX CREDIT/MICHAELS XXXX inquired on XX/XX/XXXX XXXX, LP/DMS/AFFINITY FCU/AM inquired on XX/XX/XXXX XXXX, NOWCOM/WESTLAKE FINANC inquired on XX/XX/XXXX XXXX, ONEMAIN inquired on XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX BANK inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX, REGIONAL XXXX inquired XXXX XX/XX/XXXX XXXX XXXX UNIVERSAL CR inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERAIN, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under XXXX XXXX Code XXXX Congressional findings and statement of XXXX ( XXXX ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX XXXX The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation