Consumer complaint received 2020-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
***Dear to whom it may concern*** My name is " '' XXXX XXXX*** . I have been trying to report inaccurate items in my credit report for over year. However, the credit bureau always try to avoid their responsibility to review and remove incorrect items. They ask for me authorization which I have attached proofs of my identity below. It clearly that all the complaints are written by me and there are no one behind that. So please be responsible as your age and don't make excuses for not doing job to review my compliant carefully. I know that is just your tactic and there is no more excuses and electronic response again. It is not ACCEPABLE. You, the credit bureau are not fulfill their responsible and even intend to steal my money by ignoring the collections and negative account which I never owned and known of. According to Fair Credit Reporting Act, I demand my complaint to be reviewed carefully in a regulation time frame of 30-45 days. 
**Addresses reported** XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current address is & XXXX XXXX XXXX XXXX, XXXX, FL XXXX. These address above are either old or incorrect. So please delete it as it has negative affect to my account. 
**Hard Inquiries** _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not report their contact information. Delete it immediately.!!! 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not reporting dispute status. Delete it immediately.!!! 
_XXXX XXXX Inquiry : XXXX. XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not reporting dispute status. Delete it immediately.!!! 
XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, Old ( XXXX ) XXXX This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not reporting dispute status. Delete it immediately.!!! 
XXXX  XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not reporting dispute status. Delete it immediately.!!! 
XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not reporting dispute status. Delete it immediately.!!! 
XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX  - XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not reporting dispute status. Delete it immediately.!!! 
XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not reporting dispute status. Delete it immediately.!!! 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not reporting dispute status. Delete it immediately.!!! 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not reporting dispute status. Delete it immediately.!!! 
XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not reporting dispute status. Delete it immediately.!!! 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not report their contact information. Delete it immediately!!!! 
XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not report their contact information. Delete it immediately!!! 
XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not report their contact information. Delete it immediately!!!! 
XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies This account is unauthorized, the date funisher has violate Metro2 Reporting Compliance by not report their contact information. Delete it  immediately **Collections** _XXXX XXXX XXXX Reported : XXXX. XXXX, This collection is not mine, I never have any financial obligation with this company, this account exist in my account without my notice, disclosure mailed which violated the FCRA [ 15 U.S.C. 1681d ] ( a )  Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me all documentation about this account, proofs of mailed that you have sent me about this account or YOU HAVE TO DELETE IT. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This collection is not belong to me. Provide me full documentation or DELETE IT IMMEDIATELY!!!

Company response to consumer: Closed with explanation