Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello I wrote a letter to XXXX XXXX, XXXX, and Equifax regarding several accounts and inquiries on my credit report that are not accurate, XXXX replied to me in a letter saying they don't think its me or a responsible 3rd party trying to contact them when I gave all my personal information and a copy of my Drivers license and Social attached to the letter. That is irresponsible and they are trying to dismiss my letter which is wrong. I have never heard back from XXXX or Equifax, not even notifying my that they even received my letters. 

XXXX XXXX # XXXX with XXXX Delivered Equifax Tracking # XXXX with XXXX Delivered XXXX Tracking # XXXX with XXXX Delivered I told XXXX and XXXX and Equifax I had XXXX Wrong Accounts : XXXX XXXX  Account # XXXX XXXX ) This account DATE OF LAST ACTIVITY shows XXXX on XXXX XXXX XXXX Shows XXXX on XXXX and Shows XXXX on Equifax XXXX Which one is correct and Wrong : Please Delete Account. 

XXXX ) This account was LAST VERIFIED by XXXX XXXX on XXXX, by XXXX NEVER and EQUIFAX NEVER. This is incorrect, Please Delete the account. 

XXXX ) HIGH BALANCE shows {$10000.00} with XXXX, {$10000.00} XXXX, and {$0.00} with EQUIFAX- This is incorrect Please Delete this account. 

XXXX XXXX Account # XXXX XXXX ) This account DATE OF LAST ACTIVITY shows XXXX with XXXX  XXXX with XXXX  XXXX and XXXX with Equifax XXXX This is incorrect. Please Delete Account. 

XXXX ) This account was LAST VERIFIED XXXX with XXXX, Never Verified with XXXX and NEVER verified with EQUIFAX. This is wrong. Please Delete Account. 


XXXX XXXX Account # XXXX XXXX ) High Balance shows {$8400.00} with XXXX, {$8400.00} with XXXX  XXXX and {$0.00} with EQUIFAX XXXX This is Wrong, Please Delete this Account. 
XXXX ) This Account was LAST VERIFIED XXXX with XXXX, Never Verified with XXXX and Never Verified with Equifax. This is wrong, Please Delete this account. 

I also noticed these hard inquiries that dont have permissible purpose to be on my credit report. These hard inquiries are hurting me for getting approved. 

These following hard inquiries have no permissible purpose on my credit report please delete the following : XXXX XXXX Hard Inquiries : XXXX XXXX Please Delete XXXX XXXX  XXXX XXXX Please Delete XXXX XXXX XXXX  XXXX Please Delete XXXX XXXX Please Delete XXXX Hard Inquiries : XXXX XXXX XXXX  XX/XX/2023 Please Delete XXXX XXXX XXXX. XX/XX/2023 Please Delete XXXX XXXX  XX/XX/2023 Please Delete XXXX XX/XX/2023 Please Delete XXXX XXXX XXXX XXXXXX/XX/2023 Please Delete Equifax Hard Inquiries : XXXX XX/XX/2023 Please Delete XXXX Please Delete XXXX XX/XX/2023 Please Delete XXXX XXXX  XX/XX/2023 Please Delete As you can see something " happened '' on XXXX without my consent or approval. Im not sure as of yet if this is identity theft or fraud but I am thinking about going to my local sheriffs office to perhaps have them investigate. 

Meanwhile I am a mother of a XXXX XXXX XXXX child, I am trying to get good credit to be approved for a mortgage when I saw all these inaccuracies on my credit report I thought I would take action. I never thought or believed that these bureaus would ignore me and also give me the run around especially after I definitely proved who I was. Very Dishonest. 

I have included a sample letter that I sent to XXXX XXXX, the same letter more or less was sent to Equifax and XXXX with some hard inquirie changes as stated here. 

Again I have attached proof of who I am. 

thank you CFPB for looking into this for me, I'm grateful for having a company like you looking out for the little guys. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief