Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: NJ
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:
*** To start my dispute, I would like to make certain you have and only report up-to-date, accurate, verifiable, legitimate, true, and authorized information per Fair Credit Reporting Act regulations. I do not authorize Equifax to misreport any inaccurate or unverifiable information so please review my credit report and confirm your sufficient and full cooperation to the federal laws upon which oversees your business of reporting consumer credit reports. 

I have provided a copy of my identification documents for you to verify my full name, current address, social security number, and date of birth. I do not have any other names, addresses, social security numbers, or date of births and I do not want any other personal information to be reported to prevent a credit merge or mistaken identity. If there is any other personal information being reported other than what I have provided, I am requesting you to delete it immediately. 

This dispute is to start an investigation regarding unauthorized and/or possibly fraudulent information which is certainly unproven to be compliant with proper reporting guidelines of credit inquiry ( ies ) and/or credit account ( s ) reported by furnishers on my Equifax credit report. In the process of looking through my Equifax credit report, I found what clearly appears to be likely some unauthorized and or fraudulent credit inquiries and negative accounts which undoubtedly are ones deficient of the compliant proven permissible purpose supposedly made by the following companies : 1. The following personal information is incorrect Account Number : Former : XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NJ XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 4. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. 
XXXX/XXXX  Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. 

8. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. 
XXXX XXXX XXXX  Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.

9. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. 
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.

I demand you to provide the required verifiable proof of permissible purpose confirming the legal authority to report such information or else complete a full deletion of the entire inaccurate & unverifiable information that is being reported on my Equifax credit report due to non-compliance of the Fair Credit Reporting Act. 

As of today, there is no physical proof that I knowingly and agreed to authorize anyone working at the companies that I have mentioned above to report such information on my Equifax credit report on these specific dates. I am asking that you make these corrections now to relieve yourself from non-compliance of reporting standards to report the accurate status of certified Metro 2 compliant reporting moreover 100 % provable true, correct, complete, and timely reporting.

I am also requesting that the companies above mail me a copy of my signed authorization that gave them the right to view and report information to my credit report within five business days so that I can validate what is being reported. If they can not do so, then they will clearly be violating the Fair Credit Reporting Act which is why I am contacting you to help me with this. 

To that end, further, I am also requesting that they remove any and all of my personal information from their records. 

The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.

Company response to consumer: Closed with explanation