Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: AZ
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, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of consumer protection laws that have significantly impacted my financial well-being. I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take prompt action to enforce the relevant legal provisions and rectify the injustices I have endured. 

The violations I am reporting involve unauthorized credit inquiries, inaccurate personal information, and questionable account details on my credit report. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and related regulations. 

The following are the specific violations I have identified : Inaccurate Personal Information : Violation : Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, creditors are required to report accurate and up-to-date information. The incorrect addresses listed on my credit report violate this provision. 

Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
Unauthorized Credit Pulls : Violation : Section 604 of the FCRA stipulates that a credit inquiry requires consumer consent. Unauthorized credit inquiries violate this provision. 

Affected Accounts : XXXX XXXX XXXXXXXX | 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. 
XXXXXXXX XXXX XXXXXXXX | 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 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. 
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 | 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 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 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. 
XXXXXXXX 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 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 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. 
Questionable Account Information : Violation : Unclear or questionable account details listed on my credit report may be in violation of the FCRA 's requirement for accurate and complete reporting under Section 623 ( a ) ( 1 ).

Affected Account : AUTO NOW FINANCIAL SER : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I would like to share a deeply personal story that underscores the impact of these violations on my life. As I embarked on the journey of securing a mortgage for my family 's future home, the inaccuracies and unauthorized inquiries on my credit report resulted in a devastating denial. This event shattered my aspirations of providing stability and security for my loved ones, causing immense emotional distress and anxiety. 

I urge the CFPB to act on my behalf to address these violations and uphold the principles outlined in the FCRA. I request that you investigate these matters thoroughly and take the necessary steps to ensure : The immediate removal of inaccurate personal information from my credit report. 
The expeditious removal of all unauthorized credit inquiries. 
The thorough verification and clarification of questionable account information, or its removal if unverifiable. 
In conclusion, I implore the CFPB to stand by its mission to safeguard consumer rights and promote fair treatment within the financial sector. The violations I have endured have not only disrupted my financial well-being but have also inflicted profound emotional distress. I eagerly await your response outlining the actions taken to address these violations and restore justice to my situation. 

Thank you for your attention to this matter. I anticipate a timely response to this formal complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation