Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: TX
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/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX - XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 2 : I dispute XXXX Reported balance {$3500.00} this account is more than 7 years old and  should be deleted. Please delete this account. 
Item # 3 : I dispute I dispute XXXX Reported balance {$26000.00} this account is more than 7 years old and should be deleted. Please delete this account. 
Item # 4 : XXXX Reported balance {$4900.00} this account is more than 7 years old and should be deleted. Please delete this account. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX   Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, New XXXX XXXXXXXX XXXX  XXXX Inquiry from XX/XX/2020 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, New XXXX XXXXl Inquiry from XX/XX/2020 Auto Financing XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2020 Credit Unions XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXXXXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXXXXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 All Banks XXXX XXXX Inquiry from XXXX XXXX, 2020 Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 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 below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation