Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention multiple violations of consumer protection laws that have significantly impacted my financial well-being and overall peace of mind. The purpose of this letter is to request your intervention and enforcement of the legal protections afforded to consumers under the relevant laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

I have recently discovered that several creditors have engaged in practices that contravene established laws designed to safeguard consumers ' rights and ensure equitable financial transactions. These violations have had profound effects on my life, causing undue stress, anxiety, and substantial financial hardship. 

One of the most concerning violations is the unauthorized inquiries made by various creditors into my credit history without my consent or knowledge. I have identified the following unauthorized inquiries on my credit report : XXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX  I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX - Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX  - Date of inquiry : XX/XX/XXXXXXXX  I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX  I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX  - Date of inquiry : XX/XX/XXXXXXXX  I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX  I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
These unauthorized inquiries not only violate my privacy but also undermine the principles of fair credit reporting that are integral to the FCRA. 

Furthermore, I have encountered billing errors associated with two specific accounts : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX These billing errors have contributed to additional financial strain and uncertainty in my life, which is contrary to the consumer protection goals of the TILA. 

I must share a deeply personal story of how these violations have affected me emotionally and financially. As a young professional striving to establish a stable financial foundation, these unlawful actions have cast a shadow of doubt over my ability to secure loans, make important life decisions, and plan for the future. The stress and anxiety induced by these violations have adversely impacted my mental health and overall quality of life. I have experienced sleepless nights and constant worry, wondering how these unjust actions will influence my financial prospects for years to come. I believe in the principles of fairness and accountability, and I implore your intervention to rectify these injustices. 

Given the circumstances, I earnestly request that you communicate with the respective creditors to address these violations promptly and take appropriate corrective actions. Specifically, I kindly ask that you ensure the removal of the aforementioned unauthorized inquiries from my credit report and that the billing errors in the identified accounts are rectified in accordance with the relevant laws. 

I appreciate your attention to this matter and respectfully request that you keep me informed about the progress and resolution of these issues within a reasonable timeframe. My hope is that, through your intervention, the consumer protection laws I mentioned can be enforced, and I can regain the financial stability and peace of mind that these violations have eroded. 

In closing, I kindly request that you guide the involved creditors to remove the unverified accounts from my credit report, thereby allowing me to move forward with a more accurate representation of my financial history. 

Thank you for your commitment to safeguarding consumer rights and fostering a climate of fairness and transparency in financial transactions. I look forward to your prompt attention to this matter and the subsequent resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief