Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally file a dispute regarding the inaccurate information present on my credit report, as well as the potential violations of consumer protection laws. I believe the following creditors have engaged in activities that warrant your immediate attention : XXXX XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX  : Account number : XXXX, Please correct/update this inaccurate information on my credit report. You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate information on my credit report. You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX Account number : XXXX, Please remove it from my credit report. I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX AZ XXXX : Address, The following personal information is incorrect. This address belongs to someone else. Delete it from my report immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXXXXXX : Address, The following personal information is incorrect. This address belongs to someone else. Delete it from my report immediately. 

I believe that these creditors have violated multiple consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The actions of these creditors have had a profound impact on my life, causing immense emotional distress and financial hardship. 

For instance, I vividly recall the day when I discovered these inaccuracies on my credit report. The weight of the situation hit me like a ton of bricks. I had been diligently working to maintain a strong credit history, as I had plans to secure a mortgage for my first home. However, the erroneous late payments, fraudulent inquiries, and inaccurate account information have shattered my dreams and aspirations. This is not just a matter of credit scores ; it's a matter of my financial well-being and future security. 

My journey has been filled with sleepless nights, anxiety-laden days, and the constant fear of not being able to achieve my goals due to circumstances beyond my control. I have been denied access to favorable interest rates, better housing options, and even job opportunities due to the tarnished credit report that does not accurately reflect my financial responsibility.

I implore the Consumer Financial Protection Bureau to enforce the legal protections that have been put in place to safeguard consumers like me from the predatory practices of creditors. It is my sincere hope that the CFPB will thoroughly investigate these violations and hold these creditors accountable for their actions. 

In light of these violations and the profound negative impact they have had on my life, I kindly request that the aforementioned creditors take immediate action to remove these unverified accounts from my credit report. This would not only rectify the inaccuracies but also provide me with the opportunity to rebuild my financial future and regain control over my life. 

Thank you for your attention to this matter. I trust that the CFPB will work diligently to ensure justice is served, and consumers are protected from such distressing experiences. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief