Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear CFPB, I am writing to file a formal complaint against the credit bureaus for their failure to respond to my letters in a timely manner or at all. Despite numerous attempts to resolve issues on my credit report, the bureaus have not shown certain items to be in dispute under my comment remarks. 
I have submitted multiple letters to the credit bureaus, detailing my concerns and requesting that certain items be removed or corrected on my credit report. However, I have not received any resolution or acknowledgement of my correspondence. 
As a result of this lack of response, my credit score has been negatively impacted, and I have been unable to secure loans or credit at reasonable rates. I believe that the credit bureaus ' inaction is in violation of the Fair Credit Reporting Act and is causing undue harm to my financial well-being. Also in conclusion of this complaint I have also been violated against my rights to not be contacted during an investigation, which I was still being contacted. This is a violation of United States code 15 U.S. Code 1692g : Validation of debts. The debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. Furthermore I was not contacted by any lender that has reviewed my report and left a ding in my credit after doing an unauthorized credit pull. This is a violation according to 15 USC 1681q that pertains to the requirements for obtaining and using consumer credit reports. Specifically, this section requires that any entity that obtains a consumer credit report for a permissible purpose must notify the consumer in writing or electronically before obtaining the report. The notification must state that a report will be requested, and must also inform the consumer of their right to request a free copy of the report within 60 days. 

Account ( s ) in question are listed below with account names & numbers : BANK XXXX XXXX Equifax : XXXX : XXXX XXXX : XXXX Under 15 U.S Code 1681b Permissible Purposes of a consumer credit report... 


XXXXXXXX XXXX XXXX Equifax : XXXX : XXXX XXXX : XXXX Under XXXX XXXX XXXX XXXX Permissible Purposes of a consumer credit report.. 


BANK XXXX XXXX Equifax : XXXX : XXXX XXXX : XXXX Under 15 U.S Code 1681b Permissible Purposes of a consumer credit report... 


BANK XXXX XXXX Equifax : XXXX XXXX : XXXX : Under 15 U.S Code 1681b Permissible Purposes of a consumer credit report... 

BANK XXXX XXXX Equifax : XXXX XXXX : XXXX : Under 15 U.S Code 1681b Permissible Purposes of a consumer credit report... 

XXXX BANK XXXX Equifax : XXXX XXXX : XXXX : Under 15 U.S Code 1681b Permissible Purposes of a consumer credit report... 




XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX Under 15 U.S Code 1681b Permissible Purposes of a consumer credit report.. 

XXXX BANK Equifax : XXXX XXXX : XXXX XXXX : XXXX Under XXXX XXXX XXXX ( A ) Congressional Findings... 

XXXX XXXX XXXX BANK XXXX Equifax : XXXX XXXX : XXXX : Under XXXX XXXX XXXX ( A ) Congressional Findings... 



Equifax : XXXX : XXXX XXXX : Under 15 USC 1681 ( A ) Congressional Findings... 


XXXX Equifax : XXXX : XXXX XXXX : Under 15 USC 1681 ( A ) Congressional Findings... 

Equifax : XXXX XXXX : XXXX : Under 15 USC 1681 ( A ) Congressional Findingsi... 

XXXX XXXX Equifax : XXXX : XXXX : XXXX Under 15 USC 1681 ( A ) Congressional Findings... 



XXXX XXXX Equifax : XXXX : XXXX : XXXX Under 15 USC 1681 ( A ) Congressional Findingsi... 



XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX Under 15 USC 1681 ( A ) Congressional Findings... 

XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX Under 15 USC 1681 ( A ) Congressional Findings... 
XXXX XXXX XXXX Equifax : XXXX : XXXX : XXXX Under 15 U.S Code 1681b Permissible P... 

XXXX XXXX. XXXX XXXXXXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX Under 15 U.S Code 1681b Permissible P... 

XXXX XXXX BANK XXXX XXXX. 
Equifax : XXXX XXXX : XXXX XXXX : XXXX Under 15 U.S Code 1681b Permissible Purposes... 

XXXX BANK Equifax : XXXX XXXX : XXXX XXXX : XXXX Inquiries Names and dates XXXX XXXXXXXX XXXX Equifax : XXXX : XXXX : The Inquiry Was Not Authorized XXXX XXXX Equifax : XXXX : XXXX : The Inquiry Was Not Authorized XXXX Equifax XXXX XXXX : XXXX : The Inquiry Was Not Authorized XXXX Equifax : XXXX : XXXX XXXX XXXX Inquiry Was Not Authorized XXXX XXXX XXXX Credit Unions XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX These inquiries are unauthorized I did not give my consent to disclose my personal information to these lenders and I demand that they be deleted from my credit report. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that the credit bureaus respond to my concerns and correct any errors on my credit report. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief