Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to Equifax on XX/XX/2020, to the address listed on their website ; Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX. The letter was to address unauthorized inquires that I did not consent, approve, or give permission to any creditor, finance company, or car dealership to access or pull my consumer credit report. I did not receive any response from Equifax in the time frame as required by law, therefore my attorney advised me to call Equifax directly, which I did on XX/XX/2020. I spoke to two representatives, one being in the fraud department and one who sold me a copy of my credit report for {$14.00}, that I later find out is supposed to be provided for free on a weekly basis since the latest government breach from the SBA. I advised the man in the fraud department that I contacted each one of the 9 creditors listed below and was told by their employee to call the credit bureau or in several cases that they did not have any information pertaining to me. I spent 1 hour and 45 minutes on the phone with this fraud representative from Equifax who assured me this would be resolved, and I would receive an updated report. He encouraged me to set up the online portal and to provide my email address so I may receive information immediately after this was reviewed. Today XX/XX/2020 I receive an email to log in to the portal for the status of my dispute, only to find a comment stating the following on each of the 9 disputed inquires in question, The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor if you have additional questions about this item. In my letter dated XX/XX/2020, I specifically stated I attempted to contact each and every one of the creditors listed and did not have any success, I also asked Equifax to provide proof I consented to the 9 inquires listed below via FCRA section 609 and 605 as well as the accuracy of the 9 inquires mentioned via FCRA 623. If Equifax has no proof of one or any, I would like them removed immediately from my consumer report. In addition, I ask Equifax to please provide me with the " method of verification '' that their employees/staff used to verify and validate each of these inquiries : ( 1 ) XXXX - Merchant on XX/XX/2020 ( 2 ) XXXX XXXX XXXX  on XX/XX/2020 ( 3 ) XXXX XXXX XXXX  on XX/XX/2020 ( 4 ) XXXX XXXX XXXX XXXX  on XX/XX/2020 ( 5 ) XXXX XXXX XXXX  on XX/XX/2020 ( 6 ) XXXX XXXX XXXX on XX/XX/2020 ( 7 ) XXXX XXXX on XX/XX/2020 ( 8 ) XXXX XXXX  on XX/XX/2020 ( 9 ) XXXX XX/XX/2020. 
I am extremely disappointed in the time that has been wasted and how I had to spend almost two hours on the phone with Equifax employees and this is still in no way resolved. It is unethical on many levels as to how Equifax treats consumers, and it is evident that their first and foremost obligation is to protect the creditors who they obtain financial gain for reporting information. It is time that consumers take a stand and ask the federal government agencies regulating this sector to take a closer look at how they violate consumers rights on a daily basis and causing much harm, forcing consumers to continue to jump through hoops in hopes that they will just get tired and worn down and give up. If this is not resolved in a timely manner, and I do not mean months, I mean days, I am going to personal have my attorney contact and write a letter outlining these events and violations to the Attorney General of the United States and request a full investigation as to how Credit Reporting Agencies continue to violate the federal laws and rights of consumers for financial gain. 
I appreciate your immediate attention in this matter. XXXX XXXX

Company response to consumer: Closed with explanation