Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to lodge a formal complaint and seek your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable statutes. The violations detailed below have significantly impacted my financial stability and emotional well-being. I am reaching out to you in the hopes that your intervention will help rectify these issues. 


Case 2 : Unauthorized Inquiries Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Case XXXX XXXX XXXX Account Billing error under 15 USC 1666B .

Violation : Billing error dispute, potential violation of 15 USC 1666B. 
Case XXXX : Unauthorized Inquiries and Incorrect Information Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXXXXXX XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Case 5 : XXXX XXXX XXXX XXXX personal information ( name ). 

Violation : Violation of consumer 's right to accurate reporting under the FCRA - Section 1681e.

Incorrect previous address.

Violation : Violation of consumer 's right to accurate reporting under the FCRA - Section 1681e.

Incorrect previous address.

Violation : Violation of consumer 's right to accurate reporting under the FCRA - Section 1681e. 
Unauthorized inquiry by XXXXXXXX XXXX XXXX XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX XXXX  on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX OF XXXX XXXX XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 

Violation : Unauthorized inquiries without my consent, potential violation of FCRA - Section 1681b. 
In light of the gravity of these violations and the subsequent impact on my financial and emotional well-being, I kindly request your urgent intervention to enforce my legal rights. Specifically, I implore the respective creditors to promptly remove the unverified accounts, rectify the inaccurate personal information, and expunge the unauthorized inquiries from my credit report. 

I greatly appreciate your attention to this matter and look forward to your timely response. Your assistance in rectifying these issues will enable me to regain my financial stability and alleviate the emotional distress caused by these violations. 

Thank you for your understanding and support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation