Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
[ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Equifax Information Services LLC Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I would like this to be removed from my credit report, this is incorrect information. The balance is way too high on my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account. I would like this information to be removed from my credit report. This is incorrect information on my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I would like this to be removed from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX [ XXXX : XXXX XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( Equifax ) credit report. My latest credit report shows 10 inquiries credit inquiry/inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
Date : XX/XX/XXXX Creditor : XXXX - NEVER APPLIED WITH THIS COMPANY. 
Date : XX/XX/XXXX Creditor : XXXX XXXX, XXXX - NEVER APPLIED WITH THIS COMPANY. 
Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX - NEVER APPLIED WITH THIS COMPANY Date : XX/XX/XXXX Creditor : XXXX XXXX - NEVER APPLIED WITH THIS COMPANY Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX, XXXX - NEVER APPLIED WITH THIS COMPANY Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX - NEVER APPLIED WITH THIS COMPANY Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX - NEVER APPLIED WITH THIS COMPANY Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX - NEVER APPLIED WITH THIS COMPANY. 
Date : XXXX XXXX, XXXX Creditor : XXXX XXXXate : XX/XX/XXXX Creditor : XXXX XXXX Please have these/this unapproved inquiries/inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, ( XXXX XXXX ) Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX, WI XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief