Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I have submitted 2 complaints about fraudulent hard inquiries reporting on my Equifax credit file. Both times the company has stated all inquires would be deleted. 8 hard inquires remain from both complaints. The 1st of 2 complaints regarding the hard inquires was submitted on XX/XX/22. The company response to complaint XXXX was to delete all inquires which the company list individually in the company response section. When I checked my Equifax credit file after the company response 8 hard inquires remained. I contacted the Equifax fraud department XX/XX/22 and explained the situation and the agent told me the remaining inquires would be deleted by her and also gave me a confirmation number of XXXX to reference back to if needed. On XX/XX/22 the remaining inquires were not deleted so I contacted the Equifax fraud department again and was told I needed to submit another complaint in which I did on XX/XX/22 stating that all inquires listed were not deleted. Once again the company response to the 2nd complaint XXXX was to delete the remaining inquires. On XX/XX/22 I contacted the Equifax fraud department because the 8 hard inquires were still on my credit file. After explaining the situation the agent he stated he would have the hard inquires deleted. I was given a confirmation number of XXXX to reference. I put Equifax on notice about the violations. Gave Equifax an opportunity to cure. Did a re-investigation because Equifax did not fully cure the violations. The company stated in both investigations to delete all hard inquires listed, yet 8 still remain. I confirmed this by calling Equifax fraud department on XX/XX/22 at XXXX and by pulling my Equifax credit file. Equifax has caused me and my family severe harm due to your negligence, inaccurate reporting, and willful non compliance. Due to the companys willful non compliance Im demanding monetary settlement of XXXX, {$1000.00} per each violation in which there are 8. 
These violations have caused actual damages, high interest loans, and denials for extensions of credit. There are 8 hard inquires that have not been deleted that should have been deleted as stated as a company response on 2 complaints. Im demanding {$8000.00} dollars, {$1000.00} per each hard inquiry which there are 8. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; The monetary settlement check can be mailed to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX Also, I want these 8 remaining hard inquires to be deleted.

Company response to consumer: Closed with explanation