Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hello Im a XXXX XXXX and I have illegal stuuf on my credit. Im a resident here and trying to do the right thing. MY social is a govermnet number that was given to me Please help protect me. You can XXXX   me Im a real honest person I would never mess up my credit I cant Im struggling for my citizenship. This is wrong. How can someone do this. Please help remove these 4 accounts thats not mines. Godbless XXXX XXXX XXXX XXXX XXXX  XXXX Reported : XX/XX/2018 {$5000.00} Needs Attention XXXX XXXX Reported : XX/XX/2018 {$1900.00} Closed XXXX XXXX XXXX  Reported : XX/XX/2018 {$16000.00} Closed XXXX XXXX XXXX XXXX  Reported : XX/XX/2018 {$20000.00} Closed
Complaint sub-issue: Problem with statement of dispute

I have XXXX judgments listed on my CR with Equifax. I was involved in a lawsuit that involved Equifax reporting judgments from Virginia XXXX inaccurately/ The judge ordered that Equifax completely REMOVE these items completely. My first dispute they updated them all to Satisfied. Then I sent the court order and settlement documents from court in and they still refused to removed these items all which were paid and vacated. So I disputed them again and they changed the satisfied to Pending UNpaid. I tried calling and the lady was rude and unhelpful. Furthermore Equifax lowered my score cause I kept disputing. I have a court order for these XXXX judgments to be removed and they wo n't do it. I had no problem with XXXX and they deleted them within 3 days. Equifax is not following judges order for deletion which is why they were sued to begin with due to improper reporting. These judgments have greatly affected my scores and caused me to be denied on a mortgage I would have been approved for if those judgments were gone. I faxed them over XXXX pages of documents and they now reported it negative again. What can I do? My disputes as follows XXXX XXXX XXXX XXXX This is ridiculous and their stupidity caused me to lose my home buying power.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE SUBMITTED A COMPLAINT AND TRIED TO WORK THIS OUT WITH THE COMPAINES BUT THEY WILL NOT HELP ME.CAN SOMEONE PLEASE HELP ME
Complaint sub-issue: Their investigation did not fix an error on your report

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigate XXXX collection l balance : {$2400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  {$2400.00} Account numberXXXX Collection openedXX/XX/XXXXBalanceLoan Amount {$2400.00} {$2400.00} XXXX  XXXX XX/XX/XXXXXXXX Account Info Hover over labels for more details Account numberXX/XX/XXXX Account statusOpen Date opened XX/XX/XXXX BalanceCredit Limit {$1600.00} XX/XX/XXXX {$2900.00} Paid, closed Account Info Hover over labels for more details Account numberXXXX Date opened XX/XX/XXXX Balance Loan Amount Payment Info Original loan amount {$5500.00} You have 13 inquiries These lenders have accessed your credit file : FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXTenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXXRemoval date : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXMortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2020
Complaint sub-issue: Debt is not yours

today XXXX I got a Credit alert on my Bank app saying that I had a Mayor derogatory cause by an account with a company named { Amerifinancial Solutio. 

but i have never contact this company.
Complaint sub-issue: Debt is not yours

I received a debt collection request whose creditor is XXXX  XXXX XXXX. I don't owe the debt ( I don't even have an account in XXXX XXXX XXXX XXXX. Last year when they tried to collect the debt through some debt collector ( I forgot the name ), and I disputed it. However this year, again, they send me a collection letter, from a different collector, MRS BPO, L.L.C.. 

I don't owe the debt, and I have disputed it. So I don't understand why they send me another debt collection.
Complaint sub-issue: Information belongs to someone else

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance - ; XXXX. XXXX, XXXX ( Original creditor : XXXX ) XXXX Balance {$560.00} ; XXXX. XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX Balance {$280.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX  XXXX ( XXXX Name : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX  Inquired on XXXX XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  Inquired XXXX XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXXInquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX ; XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX I was with XXXX for 5 years and have never been late. XXXX XXXX XXXX has refused to REMOVE AND stop reporting " LATES '' on my credit report. I have never been pass the grace period as u will see reflected, my payment was due on the XXXX monthly and needed to be reflected by the 10 day grace period. I was never notified of the alleged XXXX late payments for my XXXX XXXX XXXX vehicle in XXXX and XX/XX/XXXX. As you will see they were paid on XXXX and XXXX which means they were paid on time. I am asking XXXX to remove the late entries, they are taking advantage of young adults wanting to purchase homes due to not having a financial relationship with them any longer. I pulled my credit report on XX/XX/XXXX, XXXX and Equifax reporting late twice in XXXX for XXXX. I will protect my credit at ALL costs. XXXX Customer Service @ XXXXwas extremely rude and stated " We are not going to remove anything ''. I am asking we resolved this conundrum for I am trying to better myself and XXXX is prohibiting. I do not want this to happen to anyone else. Shame on XXXX ... 

Taken Advantage of, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Equifax is reporting inaccurate information on accounts that are closed, these accounts are XXXX XXXX XXXX and XXXX XXXX was investigated by CFPB and was closed, they are reporting them open still.
Complaint sub-issue: Their investigation did not fix an error on your report

On a monthly basis dating back to last year I have attempted to have several accounts that are inaccurately reporting payments and account ownership removed. It is my understanding that under FCRA it is illegal for accounts to be misreporting payments. XXXX XXXX  and Equifax have all misreported and allowed them to continuously make statements without doing their due diligence for accuracy.
Complaint sub-issue: Information belongs to someone else

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. ED FINANCIAL/ESA XXXX Balance {$0.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$1400.00} ; XXXX DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$2200.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem accessing account

Pnc will not allow me to connect my debit card to my XXXX account for the round up feature. They claim it is a security issue, yet my checking account is already connected for the monthly deposit I make into my XXXX account so it doesnt make sense.
Complaint sub-issue: Information belongs to someone else

in accordance with the Fair Credit Reporting act, XXXX, XXXX and Equifax has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXXXXXX XXXXC 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. ftc report XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

An affidavit was sent to EquiFax due to someone attempting to open accounts using my name and social. Due to this, hard inquiries were placed on my account and negatively impacted my credit score and my ability to get approved for funding. 30 days passed and a letter was received stating they needed a copy of my ID and Social which was sent in the original packet sent to them. Original packet was sent on XX/XX/XXXX and it included the affidavit, dispute letter, and copy of social and drivers license.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize XXXX to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX  and XXXX  attachment is my police report for fraud
Complaint sub-issue: Debt was result of identity theft

This debt collection appeared on my XXXX, XXXX, XXXX Credit Reports just recently. I do not have a XXXX account and I do not owe them any money. I have been having fraudulent activity to all my accounts, perhaps this is more of the same. It lowered my score. 

Company - EOS CCA XXXX Balance - {$500.00} Date on Report - XX/XX/XXXX ACCT - XXXX Collection Opened - XX/XX/XXXX Loan ( XXXX ) XXXX Addresses - XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, MA XXXX
Complaint sub-issue: Investigation took more than 30 days

I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly I am now demanding all information be removed accordingly. I am attaching the documents in this file
Complaint sub-issue: Information belongs to someone else

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX XXXX  XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

On XXXX XXXX, at approximately XXXX XXXX  ( advised I may be recorded ) I contacted XXXX XXXX Collection agency at XXXX and XXXX, in reference to come to terms with a possible debt from an original creditor to wit " XXXX XXXX. '' I spoke to a " XXXX '' and a person who identified herself as " XXXX '' who informed me she was not obligated to provide me with her last name. Both XXXX and XXXX reported I owed {$3300.00} and also {$94.00} which is an amount greater than that recorded by XXXX XXXX records. When I explained to both XXXX and XXXX my financial circumstances and if they could possible offer some type of settlement amount they both stated " XXXX XXXX does not allow us to reduce the amount owed. '' I therefore, contacted XXXX XXXX and spoke to a " XXXX '' and also a " XXXX '' who reported the above statement is inaccurate and that XXXX XXXX has nothing to do with the amount owed with regard to payment thereof. I subsequently again contacted XXXX  XXXX and again spoke to XXXX, I requested to speak to the " Supervisor '' XXXX and XXXX reported that XXXX had gone home for the day and they did not have a Supervisor on site for me to communicate with. XXXX reported the Supervisor will not be available until XXXX XXXX the following morning. With respect to the above comments, I feel XXXX is in direct violation of XXXX XXXX - Operation without a Manager and XXXX XXXX Section 1 and Section 2, Subsections ( a ) ( b ) - Prohibited practices.
Complaint sub-issue: Information belongs to someone else

Someone has stolen my identity and using my ss # on the XXXX XXXX. First I want to state on my Equifax report there are several addresses for me in XXXX XXXX Nevada that aren't mine and neither have I ever lived there they are listed below XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada I never resided at any of these addresses I live in XXXX, Al Also there are fraudulent accounts in my name that was open up in XXXX XXXX Nevada and again I reside in XXXX, Alabama These are the accounts please investigate these fraudulent accounts and remove and also see where my information. Was found in over 23 data breech I am uploading. Please remove these fraudulent accounts ASAP XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is reporting inaccurate information. I have never signed any contract with this company. Shows original creditor to be XXXX XXXX XXXX, I do not have any dealings with this company. They have bought inaccurate information and it is a fraud account. There is no account number.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of. And being ignored of my disputes. 

XXXX XXXX XXXX is report the following 120 days late I want proof that I was 120 days late There is no full account number on my credit report They keep saying they are responding, I have received no letters, where are their tracking numbers to prove they have responded. 

XXXX XXXX XXXX is violating the following code 15 U.S. Code 1681i - Procedure in case of disputed accuracy - Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

I want Equifax to remove XXXX XXXX XXXX based off of 15 US Code 1681i - Procedure in case of disputed accuracy I have sent Equifax multiple letters to remove XXXX XXXX XXXX from my credit report immediately. If Equifax has responded to my inquiry, I want proof, I want a tracking number provided, to show they have responded. Equifax has responded to CFPB, but has not responded to me. They have not responded, Please ask them for proof that they have responded to my inquiry.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Don't agree with the fees charged

XX/XX/XXXXXXXXXX/XX/XXXX I attended classes at XXXX university. The FTC sued this university and awarded students a settlement. Unfortunately, XXXX university has failed to erase the student debt which was a part of the settlement. The settlement also includes {$30.00} million to forgive all private unpaid student loans issued to undergraduates between XX/XX/XXXX and XX/XX/XXXX, and {$20.00} million for tuition, books and lab fees.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On X/XX/2017 I reviewed my credit report on XXXX XXXX, make a long story short I realized there were multiple inquiries that I never authorized. I 've contacted the companies regarding this matter and they all could not find any of my information. So I 've contacted Equifax about this and they refused to do anything about this. I 'm extremely frustrated as this has taken majority of my week to get resolved and Equifax is n't doing anything about it. I 've faxed a letter, mailed a letter and disputed on their credit reporting agency. This is my last resort to getting this resolved. I demand the inquires to be removed.