Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute certain information present on my credit report and to request your assistance in addressing the following violations. I am seeking enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ) to ensure that accurate and verified information is reflected on my credit report. 

Unauthorized Credit Pulls : a. XXXX  | XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Credit Pull Violated Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : FCRA Section 604 Explanation : I have no recollection of authorizing this credit pull and demand its removal from my credit report. This potential unauthorized credit inquiry violates my privacy rights under FCRA Section 604. 
XXXX XXXX XXXX XXXX XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Credit Pull Violated Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : FCRA Section 604 Explanation : Similar to the previous case, I have no recollection of authorizing this credit pull and request its immediate removal. This unauthorized inquiry raises concerns about the protection of my privacy as outlined in FCRA Section 604. 
Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX A : This is not my name. Delete it immediately from my report. 
Violation : Incorrect Personal Information Violated Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : FCRA Section 607 Explanation : The presence of an account with an incorrect name on my credit report is in direct violation of FCRA Section 607. I request the removal of this inaccurate information to uphold the accuracy requirements of the law. 
Incorrect Address Information : a. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX : This address belongs to someone else. Delete it from my report immediately. 

Violation : Incorrect Address Information Violated Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : FCRA Section 607 Explanation : The inaccurate address associated with this account violates FCRA Section 607, which mandates accurate reporting. Please remove this incorrect address from my credit report to ensure compliance with the law. 
b. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX : This address belongs to someone else. Delete it from my report immediately. 
Violation : Incorrect Address Information Violated Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : FCRA Section 607 Explanation : Similar to the previous case, the presence of an incorrect address on my credit report contradicts FCRA Section 607. I request the removal of this inaccurate information to ensure compliance with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : This address belongs to someone else. Delete it from my report immediately. 

Violation : Incorrect Address Information Violated Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : FCRA Section 607 Explanation : Once again, the inclusion of an incorrect address on my credit report violates FCRA Section 607. Please remove this inaccurate address to uphold the accuracy requirements of the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : This address belongs to someone else. Delete it from my report immediately. 
Violation : Incorrect Address Information Violated Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : FCRA Section 607 Explanation : Lastly, the incorrect address associated with this account is in violation of FCRA Section 607. I request the prompt removal of this inaccurate information to ensure compliance with the law.

As someone who has always valued financial responsibility, these inaccuracies have had a profound impact on my life. Allow me to illustrate the emotional toll through a personal experience : Imagine applying for a home loan to provide stability for your family. As you walk into the lender 's office, filled with hope and excitement, you're met with a concerned expression. The lender points out discrepancies in your credit report, particularly the presence of unverified accounts you never authorized. Your dreams of homeownership seem distant as frustration and disappointment set in. This ordeal has not only affected my financial opportunities but has also caused immense emotional distress. 

In light of these violations, I kindly request the removal of the aforementioned unverified accounts from my credit report. I believe it is within my rights under the FCRA to ensure that my credit report accurately reflects my financial history, allowing me to pursue my goals with confidence and stability. 

I appreciate your attention to this matter and your dedication to upholding consumer rights. Enclosed are relevant documents supporting my dispute. I look forward to a swift resolution of these issues and a correction of my credit report. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation