Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: OH
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:
Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding fraudulent hard inquiries that have appeared on my Equifax credit report. I recently discovered these unauthorized inquiries and believe that they are the result of identity theft and fraudulent activity. I kindly request your assistance in deleting these inquiries from my credit report as soon as possible. 

The fraudulent hard inquiries listed below have caused significant distress and concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assure you that I have never initiated any dealings or authorized any transactions with the aforementioned entities. The inclusion of these inquiries on my credit report is not only inaccurate but also detrimental to my financial well-being. This unfortunate situation has left me puzzled as to how my personal information was compromised and utilized without my knowledge or consent. 

Regrettably, I must confess that I was unable to review my credit report from XX/XX/XXXX to XX/XX/XXXX due to extenuating circumstances. During this period, I faced a series of personal and professional challenges that demanded my undivided attention. As a result, I was unable to stay updated on my credit report and failed to detect these fraudulent activities in a timely manner. I deeply regret this oversight and acknowledge the importance of regular monitoring to ensure the security of my personal information. 

I kindly request that the Consumer Financial Protection Bureau exercise its authority under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to investigate this matter promptly. As a victim of identity theft and fraudulent activity, I firmly believe that I have the right to accurate credit reporting, privacy protection, and a swift resolution of this issue. Section 611 of the FCRA grants me the right to dispute inaccurate information on my credit report and have it corrected or removed within a reasonable timeframe. 

I implore you to take immediate action to investigate the fraudulent hard inquiries and subsequently delete them from my Equifax credit report. The removal of these inquiries is crucial for me to regain control over my creditworthiness and restore my financial standing. I appreciate your understanding and collaboration in rectifying this distressing situation. 

Enclosed with this letter are copies of supporting documents, including my identification, and any other relevant information that may assist you in your investigation. I am prepared to provide any additional evidence or details required to support my case. 

I eagerly await a prompt response and resolution of this matter. Please keep me informed of any updates or actions taken to address this issue. I have faith in the Consumer Financial Protection Bureau 's commitment to consumer protection and the upholding of our rights. 

Thank you for your attention to this urgent matter. I appreciate your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation