Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
I have filed a police report because I have multiple errors on my credit report that I have tried to fix with Equifax directly so here I am reaching out to law-enforcement. There are versions of my name that are incorrect, addresses I do not recognize along with accounts that are Unverifiable and accurate Here is a copy of the letter I have already sent to Equifax. 


Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SSN : XXXX XXXX : XX/XX/1984 To whom it may concern : These items must have been misplaced or inaccurate. I'm disputing these claims and demanding that any info about me being less than perfect just disappear from now on! The allegations that this information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these allegations.Your report contains several deviations from mandatory reporting standards. As such, the data in your documents can not be accurate and complete! I hereby challenge you to provide proof that it is right for you make these allegations about me.Document that you have complied with the reporting requirements, and report without any deviations. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesIt is crucial to remember that any mistakes in reporting can make the information less accurate. This has significant implications for both federally regulated reports and Metro 2 compliance standards, as XXXX states Any deviations from these standards jeopardize data integrityWith that said, I found some mistakes and inaccuracies in your report. This is why you need to investigate the validity of these inaccurate items so they can be replaced with more accurate ones or delete them altogether.You have a duty to ensure that my rights are being protected, and if you continue reporting claims which are not perfect then it shows carelessness. I don't think it's fair for you to report on me in a way that is unethical and doesnt meet the standards of certified reporting. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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  Please make sure you remove any name in your system which does not match the first and last names listed on this letter. 

CURRENT ADDRESS : My only address is XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX. Your system must remove any address that does not match the one listed on this letter. 

XXXX  XXXX - XXXX 7 Year History - Account Description : Equifax XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Individual Open XXXX Revolving Equifax XXXX Account # XXXX XXXX XXXX Account Status : Account Type : Account Rating : XXXX CollectionOrChargeOff -- COLLECTION ACCOUNT XXXX XXXX {$3000.00} XXXX -- CollectionOrChargeOff ChargeAccount XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SSN : XXXX XXXX XXXX XX/XX/1984 Balance Owed : XXXX {$2900.00} Credit Limit : XXXX XXXX Creditor Type : - DepartmentAndMailOrder Date Reported : XXXX XXXX Dispute Status : XXXX XXXX Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- Closed Date : XXXX Creditor Remarks : XXXX Date Opened : XXXX Date of Last Activity : XXXX High Balance : XXXX Last Payment : XXXX -- XXXX : XXXX Loan Type : The information in this report was never confirmed to be in compliance with the required reporting standards. The information is also deficient in that it has not been verified as accurate, complete, timely, or validated. I demand that this information be deleted immediately, as it does not meet the required standards. 
Also, see the image above for XXXX  XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Viewing Credit Limit ( XXXX ) demonstrating XXXX. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation? 
Lets examine Account Status ( XXXX ) showing Open. That's not quite right. What is your current level of compliance with CDIA standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of XXXX reporting requirements or remove my information from this account immediately! 
Upon inspecting Account Rating ( XXXX ) exhibiting CollectionOrChargeOff. I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the XXXX, so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % Inquiries XXXX ) XXXX XXXX  XXXX XXXX Equifax Since I noticed unauthorized inquiries on my personal credit report, I contacted the creditors who placed them and asked them to remove them and to cease their illegal activities. To date, they have failed to respond or honor my request, so I am reaching out to you for help. According to the Fair Credit Reporting Act, I request that you immediately initiate an investigation into this inquiry on my credit report to determine who authorized it. If, after your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you find the inquiry to be valid, I request that you send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

XXXX ) XXXX  XXXX XXXX Equifax I didn't know that there were companies out there looking for my information. The company on my credit report was not familiar to me, but it looks like they put an inquiry on my credit report without getting my permission first. This is not possible unless they have something that has been approved by me under U.S Code & 1681 es seq section 604, which states that all users of consumer reports must have a permissible purpose. Please remove this or send me documentation proving how we can use these types of inquiries accordingly. 

XXXX ) XXXX XXXX XXXX XXXX Equifax I received a copy of my credit report and was shocked to find an alleged hard inquiry on it. As you know, this is not something that should have been reported and if so then why did they let it happen? The Fair Credit Reporting Act states no one may access your information without permission from YOU first! Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax This is an inquiry on my credit file without me knowing. I think it's wrong and should be removed or proof provided that you have permission to pursue this course of action under 15 USC 1681 et seq., section 604 I am asking for documentation ( physical documents ) showing compliance with FCRA guidelines so please reply as soon as possible! 

XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Equifax I was shocked to think that someone might make an unauthorized inquiry on my credit report. I can't believe that anyone would be able to see my credit information without my permission. The Fair Credit Reporting Act makes it clear that only people with the proper paperwork can see my credit information, so please provide these documents immediately or delete any potential inquiries related with this company. 
XXXX XXXX XXXX XXXX XXXXXXXX Equifax I found some credit inquiries on my credit report that I didn't authorize. I didn't authorize anyone from these companies to view my credit report, which is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights, so please verify and validate this information with these companies and provide me with copies of any documentation with my signature on it. I formally request that these fraudulent inquiries be immediately deleted from my credit file. You have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611. 
XXXX ) XXXX XXXX XXXX Equifax! I was very disturbed to think that someone might be looking at my credit report without my permission. I can't believe that anyone would be able to see this information without my prior consent. The Fair Credit Reporting Act states that only those with a legitimate purpose can access credit report information, so please provide me with the documents that justify this inquiry immediately or delete any potential inquiries related with this company as soon as possible! 
Yours Truly You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: Closed with non-monetary relief