Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX SSN : SS # : XXXX XXXX : XXXX/XXXX/XXXX Subject : Request for Investigation and Correction of Credit Report Inaccuracies Dear Sir/Madam , I am writing to bring to your attention significant discrepancies and potential violations of the following laws : the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 



I have recently reviewed my credit report and have identified numerous inaccuracies and potential violations that require your immediate attention. I kindly request that you initiate a thorough investigation into the matters outlined below and take appropriate action in accordance with the relevant laws and regulations. 



Violation of FCRA : Incorrect personal information, including an outdated address listed as XXXX XXXX XXXX XXXX XXXX, IA XXXX. 

Violation of FACTA : Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Violation of ECOA : Potential credit discrimination or disparate treatment based on protected characteristics. 

Violation of FCBA : Inclusion of an account that does not belong to me : XXXX XXXX XXXX, Account Number : XXXX. 

I kindly request that you promptly investigate these matters, rectify the inaccuracies, and take appropriate actions as per the provisions outlined in the aforementioned laws. It is crucial to ensure the accuracy, integrity, and fairness of my credit report, as these factors have a substantial impact on my financial well-being and opportunities. 



As per the FCRA, I expect you to conduct a reasonable investigation within 30 days and provide me with a written response regarding the actions taken to address these concerns. If necessary, I reserve the right to seek legal remedies and escalate the matter to the appropriate regulatory authorities to protect my rights and ensure compliance with applicable laws. 



Enclosed with this letter are copies of relevant supporting documents that substantiate my claims. If any additional information or documentation is required, please inform me promptly so that I can provide it to facilitate the investigation. 



I appreciate your attention to this matter and anticipate a prompt and thorough resolution. Please keep me informed of the progress and actions taken to address these issues. I look forward to receiving a corrected credit report that is in full compliance with the applicable laws and regulations. 



Thank you for your cooperation and understanding. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation