Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally request a reinvestigation of the inaccurate and unauthorized inquiries on my credit report, which were not authorized by Permissible Purpose and were conducted without my explicit authorization. Despite my previous dispute regarding these inquiries, Equifax failed to conduct a thorough investigation and provide evidence of Permissible Purpose and a valid credit contract agreement. This dispute serves as a formal demand for Equifax to immediately reinvestigate and remove the unauthorized inquiries from my credit report in compliance with applicable laws. 

Credit inquiries account for removal : XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX. 

The basis of my dispute includes the following critical points : Unauthorized Inquiries : I have recently reviewed my credit report and identified multiple inquiries that were not authorized by me. These unauthorized inquiries were conducted without any Permissible Purpose, and I did not grant permission to any entity to access my credit information for these specific inquiries. 

Failure to Investigate : In my previous dispute with Equifax, I specifically requested evidence of Permissible Purpose and a valid credit contract agreement for the unauthorized inquiries. However, Equifax failed to provide such evidence and did not conduct a proper investigation into the matter. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The FCRA, 15 U.S.C. 1681i, requires credit reporting agencies like Equifax to conduct a reasonable reinvestigation when a consumer disputes the accuracy of the information on their credit report. The failure to investigate and remove inaccurate and unauthorized inquiries constitutes a violation of this statute. 

Violation of the Fair and Accurate Credit Transactions Act ( FACTA ) : The FACTA, 15 U.S.C. 1681c ( a ) ( 4 ), mandates that consumer reporting agencies may only furnish credit reports for Permissible Purposes. The presence of unauthorized inquiries on my credit report indicates a violation of this statute, as there was no valid reason for these inquiries to be included. 

Requested Action : I demand that Equifax immediately conducts a thorough reinvestigation into the unauthorized inquiries on my credit report. This reinvestigation should include obtaining and providing documented evidence of Permissible Purpose and a valid credit contract agreement for each inquiry. Any inquiries found to be unauthorized and lacking a lawful basis must be promptly removed from my credit report. 

Compliance Confirmation : Within 30 days of receipt of this letter, I expect a written response from Equifax confirming the completion of the reinvestigation and providing a detailed report of the findings. This report should include the evidence of Permissible Purpose and credit contract agreement for each inquiry, as well as the removal of any unauthorized inquiries from my credit report. 

Please be advised that I am keeping a comprehensive record of all communications concerning this matter, and I am prepared to take further legal action if necessary to protect my rights under the FCRA, XXXX, and other relevant statutes. 

I expect an expeditious and satisfactory resolution to this reinvestigation request. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation