Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding a series of unauthorized credit inquiries that have been improperly added to my credit report. I kindly request your intervention in enforcing the relevant legal provisions to rectify this matter. The violations I wish to bring to your attention are as follows : XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX  | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

These credit pulls were conducted without my authorization, and I have no recollection of granting permission for such inquiries. As a result of these unauthorized credit pulls, my credit report has been negatively impacted, potentially affecting my ability to secure favorable terms for future financial endeavors. 

I would like to share a personal story that underscores the profound impact these unauthorized inquiries have had on my life. Over the past few years, I have worked diligently to establish and maintain a solid credit history. This journey has been especially meaningful to me due to a challenging financial experience I faced earlier in life. 

Several years ago, I encountered unexpected medical expenses that left me struggling to make ends meet. The financial difficulties that followed were not only emotionally taxing but also had a lasting impact on my credit score. However, with perseverance and dedication, I managed to overcome these challenges and rebuild my creditworthiness. 

Recently, I was excited to apply for a mortgage to purchase my first home. With my improved credit score, I believed I would qualify for competitive interest rates, allowing me to fulfill a lifelong dream of homeownership. Imagine my shock and disappointment when I discovered these unauthorized credit inquiries on my credit report. My credit score, the result of years of hard work, has been compromised due to actions that I never authorized. 

I implore the Consumer Financial Protection Bureau to enforce the legal provisions that protect consumers from such violations. Specifically, I ask that you ensure the following actions are taken : Investigate the unauthorized credit inquiries made by the listed creditors on the specified dates. 
Request the removal of these unverified and unauthorized accounts from my credit report, as they have been included without proper authorization. 
Hold the responsible creditors accountable for their actions, in accordance with the Fair Credit Reporting Act and related regulations. 
It is my sincere hope that by addressing these violations, we can safeguard the rights of consumers like myself who strive to maintain a responsible and positive credit history. Your intervention will not only rectify a grave injustice but also ensure that the consumer protection laws we rely on are upheld. 

I thank you for your attention to this matter and kindly request a prompt resolution. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any further information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation