Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: FL
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:
I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX  by certified mail to dispute information, in regards to the hard inquiries that was being reported on my credit report. They received the letter  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX . The request that I submitted included hard inquiries that were not factual and I received the same response for all the inquires, which was " inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it st ates that any information can be disputed and MUST be investigated and it you do not investigate AND respond, FCRA must must delete the disputed information from its files. The fact that I received a response less than a week after the receipt of the certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when it is not in this case. I am submitting my complaint due to the lack if investigation into my original dispute for hard inquires that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.     The following credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Credit Unions   XXXX   XXXX    XXXX   XXXX ,  XXXX  Auto Financing   XXXX      XXXX   XXXX    XXXX ,  XXXX  Miscellaneous  XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing   XXXX     XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX  Banks  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX  All Banks   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX ,  XXXX   XXXX  Credit Card Cos.       XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX  Automobile Dealers, New  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Automobile Dealers, New  XXXX   XXXX   XXXX ,  XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  Banks  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  All Banks  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Automobile Dealers, New  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Miscellaneous  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Automobile Dealers, New   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  Automobile Dealers, New  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX ,  XXXX  Auto Financing   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   Personal Loans Cos.       XXXX   XXXX   XXXX   XXXX ,  XXXX   Personal Loans Cos.       XXXX   XXXX   XXXX   XXXX ,  XXXX   Personal Loans Cos.       XXXX   XXXX   XXXX   XXXX ,  XXXX  Automobile Dealers, Old  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX ,  XXXX  Finance  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .       XXXX   XXXX   XXXX    XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX  Finance  XXXX   XXXX   XXXX ,  XXXX  Finance  XXXX   XXXX   XXXX ,  XXXX  Finance  XXXX   XXXX   XXXX ,  XXXX  Finance  XXXX   XXXX   XXXX ,  XXXX  Finance  XXXX   XXXX   XXXX ,  XXXX  Finance  XXXX   XXXX   XXXX ,  XXXX  Misc.      XXXX   XXXX   XXXX ,  XXXX  Misc.      XXXX   XXXX   XXXX   XXXX ,  XXXX  Automotive  XXXX   XXXX   XXXX ,  XXXX  Finance   XXXX   XXXX     XXXX   XXXX ,  XXXX  Finance   XXXX   XXXX    XXXX   XXXX ,  XXXX  Finance   XXXX   XXXX    XXXX   XXXX ,  XXXX  Finance  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX   XXXX ,  XXXX  Finance  XXXX   XXXX   XXXX   XXXX ,  XXXX  Finance   XXXX    XXXX   XXXX ,  XXXX   National Credit Cards/Airlines   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank

Company response to consumer: Closed with explanation