Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate and unauthorized information that has been reported on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance in enforcing the legal protections that are in place to safeguard consumers like myself.

I have been an active and responsible consumer, consistently striving to maintain a healthy credit history. However, I have recently discovered a series of inaccuracies and unauthorized credit inquiries on my credit report that have had a profoundly negative impact on my financial well-being and overall quality of life.

The violations I have identified are as follows : Inaccurate Credit Reporting ( Late Payments ) : Accounts : XXXX XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX  XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX  XXXX ( XXXX ) : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX  XXXX ( XXXX ) : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violations : Violation of FCRA Section 623 ( a ) ( 2 ) Reporting Inaccurate Information Unauthorized Credit Inquiries : Inquiries : XXXX  | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX  XXXX, XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXXXX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX, XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violations : Violation of FCRA XXXX XXXX Permissible Purposes of Reports Inaccurate Personal Information : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This name belongs to someone else. Delete it from my report immediately. 
XXXX XXXX XXXX XXXX CA XXXX This address belongs to someone else. Delete it from my report immediately. 
XXXX XXXX XXXX XXXX XXXX  XXXX This address belongs to someone else. Delete it from my report immediately. 
XXXX XXXX XXXX XXXX XXXX This name belongs to someone else. Delete it from my report immediately. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This address belongs to someone else. Delete it from my report immediately. 
XXXX XXXX XXXX XXXX CA XXXX XXXX This address belongs to someone else. Delete it from my report immediately. 
Violations : Violation of FCRA Section 607 ( a ) Responsibilities of Furnishers of Information I would like to emphasize the emotional toll that these inaccuracies and unauthorized inquiries have taken on my life. For years, I have diligently worked to build a solid financial foundation, only to have it eroded by these unwarranted actions. As a result, I have been denied credit opportunities, faced higher interest rates, and experienced immense stress and frustration. The very prospects that I have worked tirelessly to secure have been stripped away due to circumstances beyond my control.

In light of these violations, I kindly request your intervention to enforce the legal protections granted to consumers under the FCRA. I urge you to investigate the inaccuracies, unauthorized inquiries, and personal information discrepancies on my credit report. Furthermore, I implore you to instruct the respective creditors to remove the unverified accounts and inquiries that have tarnished my credit history without valid cause.

I deeply appreciate your attention to this matter and the critical role the Consumer Financial Protection Bureau plays in safeguarding consumer rights. I am hopeful that your involvement will lead to a resolution that restores the accuracy and integrity of my credit report, thus allowing me to move forward with financial security and peace of mind. 

Thank you for your time and consideration. I eagerly await your response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief