Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally dispute several inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically the following sections : 1. Unauthorized Inquiries : FCRA Section 1681b ( f ) states that consumer reporting agencies may only furnish a consumer report for a permissible purpose. Permissible purposes include decisions related to credit, insurance, employment, and other legitimate business needs. Unauthorized inquiries are violations of this section.

2. Accuracy and Integrity of Information : FCRA Section 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in a consumer 's credit report.

The following inquiries are in question : 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  According to the FCRA, a permissible purpose for accessing my credit report requires that there is a legitimate reason to do so, such as for the purpose of extending credit, employment, insurance, or other lawful business purposes. I have not applied for credit, sought employment, or engaged in any transactions with the entities listed above during the respective dates of these inquiries. Therefore, I dispute the validity and legality of these inquiries and request that they be investigated immediately. 

I request that you provide me with detailed information regarding these inquiries, including the name and contact information of the entity or individual who made each inquiry, the date and time of the inquiry, and the permissible purpose for each inquiry as mandated by the FCRA. If you are unable to provide this information or if it is found that these inquiries were made without proper authorization, I demand that they be promptly removed from my credit report. 

Please be advised that I am aware of my rights under the FCRA and will not hesitate to pursue legal action if these unauthorized inquiries are not resolved in a timely manner. The FCRA grants me the right to accurate and fair credit reporting, and I expect that my rights will be upheld. 

I kindly request that you investigate and resolve this matter within 30 days, as required by law ( FCRA Section 1681i ( a ) ( 1 ) ( A ) ). Failure to do so will leave me no choice but to seek legal remedies available under the FCRA. 

I have enclosed a copy of my credit report highlighting the disputed inquiries for your reference. Please acknowledge receipt of this dispute letter and provide me with a written response as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation