Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to bring to your attention a matter of grave concern that pertains to serious violations of consumer protection laws. I am addressing these issues in accordance with the Fair Credit Reporting Act ( FCRA ), specifically the following sections : 623 ( a ) ( 1 ) ( A ) - Duties of furnishers of information to provide accurate information, 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purposes of consumer reports ; persons who may obtain consumer reports from consumer reporting agencies, and 611 ( a ) ( 1 ) ( A ) - Procedures in case of disputed accuracy.

FCRA Violations : Please remove it from my credit report.

This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Account Number : XXXX XXXX XXXX  ) Relevant Section : Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( A ) Please remove it from my credit report. 
Account Number : XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Relevant Section : Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) Please remove it from my credit report. 
Account Number : XXXX XXXX XXXX  ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Relevant Section : Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) Please remove it from my credit report. 
Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Relevant Section : Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) Please remove it from my credit report.

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Relevant Section : Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) Please remove it from my credit report. 
Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Relevant Section : Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) Please remove it from my credit report. 
Account Number : XXXX XXXX XXXX XXXX XXXX ) Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Relevant Section : Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
Violation : Unauthorized inquiry on credit report. 
Relevant Section : Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purposes of consumer reports ; persons who may obtain consumer reports from consumer reporting agencies Relevant Section : Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purposes of consumer reports ; persons who may obtain consumer reports from consumer reporting agencies The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purposes of consumer reports ; persons who may obtain consumer reports from consumer reporting agencies.

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purposes of consumer reports ; persons who may obtain consumer reports from consumer reporting agencies.

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purposes of consumer reports ; persons who may obtain consumer reports from consumer reporting agencies.

611 ( a ) ( 1 ) ( A ) - Procedures in case of disputed accuracy. 
The following personal information is incorrect XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 

611 ( a ) ( 1 ) ( A ) - Procedures in case of disputed accuracy The following personal information is incorrect XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 

611 ( a ) ( 1 ) ( A ) - Procedures in case of disputed accuracy The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 

611 ( a ) ( 1 ) ( A ) - Procedures in case of disputed accuracy The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 

In light of these violations and the hardships they have imposed on my life, I kindly request your assistance in enforcing my legal rights. Specifically, I ask that you intervene and compel the respective creditors to remove the unverified and inaccurate accounts from my credit report, thereby allowing me to rebuild my financial standing and secure a stable future for my family. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me at the provided contact information if you require further documentation or clarification. 

Thank you for your assistance and dedication to consumer protection. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation