Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I trust this message finds you well. I write to express my serious concern over a number of inaccuracies currently present on my credit reports from Equifax, XXXX, and XXXX. 

In reviewing my latest reports, I have found several credit inquiries and false late payment reports that I did not authorize or participate in. They include : XXXX : ACCOUNT NAME : XXXX  XXXXXXXX XXXX XXXX XXXX  : XX/XX/XXXX, ACCOUNT NAME : XXXX  XXXX XXXX XXXX DATE : XX/XX/XXXX, ACOUNT NAME : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, ACCOUNT NAME : XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX, ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Equifax : ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX  XXXX, ACCOUNT NAME : XXXX XXXX XXXX XXXX : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX. XXXX : ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX  XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX  XXXX, ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX DATE XXXX XX/XX/XXXX, ACCOUNT NAME : XXXX  XXXX  DATE XX/XX/XXXX These unauthorized inquiries and inaccurate late payment reports are not only misleading but also have a detrimental effect on my credit score, inhibiting my ability to utilize my credit. This situation is both frustrating and unacceptable. 

I have previously raised disputes with each of the three credit bureaus and provided supporting evidence to substantiate my claims, but the inaccuracies still persist. This letter serves as a formal request for the immediate rectification of these discrepancies.

In accordance with the Fair Credit Reporting Act ( FCRA ) [ 1 ], I have the right to dispute these inaccuracies, and I am asserting that right today. Furthermore, the FCRA dictates that all consumer credit information should be fair and accurate, and currently, mine is not. 

I kindly request that you conduct a thorough investigation into these matters. I am confident that this investigation will validate my claims and lead to the immediate removal of these unauthorized inquiries and inaccurate late payment reports. 

A written confirmation of these changes would be appreciated so that I can verify the corrections on my end. 

Your prompt attention to this urgent matter is highly anticipated. I am hopeful that this can be resolved quickly to alleviate the negative impact on my credit standing. 

Thank you for your understanding and cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation