Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: TX
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:
In early XXXX I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries on all three of my credit bureaus. The letter detailed the specific inquiry in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau, Equifax. 

Below are the detailed inquiries I asked to have investigated in early XX/XX/XXXX. None of the 3 credit bureaus responded. Literally, zero response. Which violated the law since they needed to respond in writing within 30 days. I am now requesting under the FCRA since the credit bureaus did not respond to the CFPB investigate this matter further and for the credit bureaus to provide written evidence of their investigation. Please see the attached documents and items details below that were originally being requested to be investigated and evidence provided of an actual written request for a hard inquiry. 

Equifax - Inquiries to be investigated : 1. XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX Note : This should have been a soft inquiry as an existing customer. Please correct per FCRA. 

2. XX/XX/XXXX EQUIFAX  MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX EQUIFAX  MORTGAGE   SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Note : Above, Items 2 and 3 from Equifax Mortgages are duplicates and only one ( 1 ) hard pull from XXXX XXXX XXXX XXXX was authorized. Please correct per FCRA. 

4. XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Note : Above, As a previous customer of XXXX, I was told they did not need to do a hard inquiry. I did NOT authorize this hard inquiry. Please investigate and correct per FCRA. 

5. XX/XX/XXXX XXXX  - CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX XXXX Note : Above, I do not recognize during that time frame authorizing XXXX  to do a hard credit inquiry. Please investigate per FCRA. 

6. XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX, VA XXXX Note : Above, XXXX XXXX should only have completed a soft pull per the representative when I inquired about a credit line increase. AN error was made, this should be removed per FCRA. 

7. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX Note : Above, I do not recognize authorizing this hard inquiry. Please investigate per FCRA. 

8. XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX Note : This is a duplicate inquiry and was not authorized. Please investigate per FCRA. 

9. XX/XX/XXXX XXXX - CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX XXXX Note : Above, I do not recall providing authorization for a Hard inquiry at this date for XXXX. Please investigate per FCRA. 


Note : Above, I do not recognize Equifax and do not believe I gave them authorization. Please investigate per FCRA and provide written evidence or remove. 

Thank you, XXXX XXXX XXXX XXXX  ( XXXX  )

Company response to consumer: Closed with explanation