Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am writing to you today to file a final dispute regarding several unauthorized inquiries and unverified collection accounts that have been reported on my credit file. I have previously disputed these items, but they have not been removed despite my efforts. 

The items in question are as follows : XXXX  XXXX Bankruptcy Case Number : XXXX To the best of my knowledge, this does not belong to me. I have repeatedly asked for it to be removed from my credit file, but it remains. This has caused significant stress and anxiety in my life, as it has prevented me from obtaining credit when I have needed it most. 

UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION AMERICREDI Date of inquiry : XX/XX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION AMERICREDI Date of inquiry : XX/XX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION ALLYFINANC Date of inquiry : XX/XX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION ONEMAIN Date of inquiry : XX/XX/2021 These inquiries have also caused me significant distress, as I have not authorized these companies to pull my credit report. This has caused me to feel violated and powerless, and has impacted my ability to obtain credit when I have needed it. 

I would like to share a personal story of how these issues have affected my life. Due to these negative items on my credit report, I was denied a loan when I needed it to cover unexpected medical expenses for my child. This was a devastating blow, as my child 's health was at stake, and I was unable to obtain the funds needed to cover the medical costs. I felt helpless and alone, as I did not have any other means of covering these expenses. 

This experience has left me with significant emotional trauma, as I have felt the weight of financial hardship and its impact on my family 's well-being. It has caused me to question whether I will ever be able to regain financial stability, and has left me feeling hopeless. 

Therefore, I ask that you enforce the legal rights that protect me as a consumer, and that you require the creditor to remove these unverified collection accounts from my credit report. I am confident that with your assistance, I will be able to regain control over my financial situation and move forward with my life. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation