Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: NC
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:
Dear Consumer Financial Protection Bureau : Ive recently obtained a copy of my credit report from the credit agencies and found the following of numerous unauthorized and suspicious inquiries and also inaccurate past due dates for two of my accounts made to my credit report. This was simply after I applied for an auto loan to refinance my car. I have contacted called and emailed both XXXX and Equifax against this matter and I have yet to receive a response. 

I am kindly sending formal request to remove these unauthorized inquiries listed below from my credit report. I have copies of my report that I can send over. 

1 ) Inquirer Name : XXXX XXXX XXXX XXXX, IL XXXX Inquiry date : XX/XX/XXXX Made With : XXXX 2 ) Inquirer Name : XXXX XXXX XXXX, OR XXXX Inquiry Date : XX/XX/XXXX Made with : XXXX 3 ) Inquirer Name : XXXX/XXXX XXXX, FL XXXX Inquiry Date : XX/XX/XXXX Made with : XXXX 4 ) Inquirer Name : XXXX/XXXX XXXX, FL XXXX Inquiry Date : XX/XX/XXXX Made with : XXXX 5 ) Inquirer Name : XXXX/XXXX XXXX, OH XXXX Inquiry Date : XX/XX/XXXX Made with : XXXX  6 ) Inquirer Name : XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Made with : XXXX 7 ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dispute : stating that i missed payments twice. i have always paid my payments on time. 
Pay Status : current. ( XXXX  and Equifax ) 8 ) Creditor : XXXX XXXX Dispute : Account is currently closed because it says that I have late payments. I have been paying on time. States that I have missed two payments. 
Pay Status : current 9 ) Creditor : XXXX XXXX Dispute : I have never even heard of this bank. This is fraudulent transaction. 

10 ) Equifax Fradulent Hard Inquiries : XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX/XXXX  ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ) Please note that before making this request, I sent letters, have called and emailed to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and also verify the the payment dates of the " past due '' dates. This past year or 2 has stopped me from financial success due to the fact that I may have had someone with my information. I have had absolutely no idea that I would experience this. 

Although I have called numerous times for the past few weeks, they have failed to respond and I am not receiving any assistance at all. Therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully would love to decline and say that someone may have had my information in the past. I have experienced this before. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at the contact information that i will enter. 


Im reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. 

Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 

Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.

Company response to consumer: Closed with explanation