Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to lodge a formal dispute and seek your assistance in enforcing the Fair Credit Reporting Act ( FCRA ) in relation to unauthorized inquiries that have appeared on my credit report. I believe that my rights under the FCRA have been violated by the actions of the creditors listed below, and I kindly request your intervention to address this matter. 

XXXX  | XX/XX/XXXX : Potential Violation : Unauthorized Inquiry and Failure to Investigate Relevant FCRA Section : Section 604 - Permissible purposes of consumer reports XXXX  | XX/XX/XXXX : Potential Violation : Unauthorized Inquiry and Failure to Investigate Relevant FCRA Section : Section 604 - Permissible purposes of consumer reports XXXX | XX/XX/XXXX : Potential Violation : Unauthorized Inquiry and Failure to Investigate Relevant FCRA Section : Section 604 - Permissible purposes of consumer reports In each of these instances, I have reason to suspect that unauthorized inquiries have been made on my credit report without my consent. I have absolutely no recollection of authorizing these inquiries, and I fear that they may be the result of fraudulent activities. This situation has caused me immense distress and XXXX, as it threatens the financial security I have worked diligently to establish for myself and my family. 

Allow me to share a personal story that vividly illustrates the emotional toll of these unauthorized inquiries. As a single parent working tirelessly to provide for my children 's needs, I have always been vigilant about maintaining a strong credit profile. My creditworthiness is not just a number on a report ; it directly impacts our ability to secure stable housing, access essential services, and plan for our future. Last year, when my eldest child was ready to embark on their college journey, we were heartbroken to discover that the unauthorized inquiries on my credit report had negatively affected their ability to secure the necessary student loans. The dream of higher education and a brighter future suddenly seemed unattainable due to circumstances beyond our control. 

I am fully aware of my rights as a consumer under the FCRA, and I am deeply troubled that these creditors have not fulfilled their obligations to conduct thorough investigations into these unauthorized inquiries. I kindly request that you enforce the provisions of the FCRA in my case and ensure that these unverified accounts are promptly removed from my credit report. My financial well-being and the well-being of my family depend on the accuracy and integrity of my credit history. 

I kindly ask for your guidance and intervention to help me rectify this distressing situation. Please hold these creditors accountable for their actions and ensure that my rights under the law are upheld. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation