Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I am writing to formally request your assistance in addressing ongoing inaccuracies and unauthorized inquiries that have been reported on my credit reports with Equifax, XXXX, and XXXX. Despite my efforts to dispute these errors and request thorough investigations, the inaccuracies remain on my reports, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). I have cited specific sections of the FCRA to support my disputes, including XXXX XXXX XXXX ( a ) ( XXXX ), and request the removal of all inaccurate and unauthorized information. 

Equifax Disputes : XXXX. Unauthorized Inquiries : XXXX ( Not authorized ) XXXX XXXX ( Not authorized ) XXXX ( Not authorized ) XXXX. Accounts Requiring Investigation and Removal : XXXX XXXX  XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX XXXX XXXX ( a ) ( XXXX ). 
XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX USC XXXX ( XXXX ) ( XXXX ). 
XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX USC XXXX ( XXXX ) ( XXXX ). 
XXXX XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX XXXX XXXX ( a ) ( XXXX ). 
XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX USC XXXX ( XXXX ) ( XXXX ). 
XXXX. Incorrect Personal Information : Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX Disputes : XXXX. Unauthorized Inquiries : XXXX XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) THD/CBNA ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) XXXX. Accounts Requiring Investigation and Removal : XXXX XXXX  XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX XXXX XXXX ( a ) ( XXXX ). 
XXXX ( Account XXXX : XXXX ) No description of reinvestigation provided per XXXX USC XXXX ( XXXX ) ( XXXX ). 
XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX USC XXXX ( XXXX ) ( XXXX ). 
XXXX XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX XXXX XXXX ( a ) ( XXXX ). 
XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX USC XXXX ( XXXX ) ( XXXX ). 
XXXX. Incorrect Personal Information : Incorrect Name : XXXX XXXX XXXX Incorrect Date of Birth : XXXX XXXX Disputes : XXXX. Unauthorized Inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX ) XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX. Accounts Requiring Investigation and Removal : XXXX XXXX  XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX XXXX XXXX ( a ) ( XXXX ). 
XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX USC XXXX ( XXXX ) ( XXXX ). 
XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX USC XXXX ( XXXX ) ( XXXX ). 
XXXX XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX XXXX XXXX ( a ) ( XXXX ). 
XXXX ( Account Number : XXXX ) No description of reinvestigation provided per XXXX USC XXXX ( XXXX ) ( XXXX ). 
XXXX. Incorrect Personal Information : Incorrect Name : XXXX XXXX XXXX Incorrect Alias : XXXX XXXX Violations of XXXX XXXX XXXX ( a ) ( XXXX ) : Under XXXX XXXX XXXX ( a ) ( XXXX ), credit reporting agencies are required to provide a description of the reinvestigation procedures used in cases where the consumer disputes the accuracy of information. I have repeatedly requested full investigations of the above-listed items, but the required descriptions of these reinvestigations have not been provided. 

Failure to Comply with XXXX XXXX XXXX ( Blocking of Information Resulting from Identity Theft ) : I have also requested the removal of unauthorized inquiries and inaccurate personal information, yet no corrective actions have been taken. The Fair Credit Reporting Act mandates the removal of inaccurate or unverifiable information under XXXX XXXX XXXX, which is not being followed. 

Request for CFPB Assistance : I am seeking assistance from the CFPB to enforce my rights under the FCRA. I demand the removal of all inaccurate information listed in this communication and request : XXXX. A full reinvestigation of all disputed items. 
XXXX. A detailed description of the reinvestigation procedures per XXXX XXXX XXXX ( a ) ( XXXX ). 
XXXX. An updated credit report to be mailed to me after the removal of inaccurate information. 
XXXX. Removal of Inquires and Accounts stated in this reinvestigation Failure to comply will result in further legal action, as the FCRA allows for compensation up to {$1000.00} per violation, plus legal fees, for non-compliance with these laws. 

Thank you for your attention to this matter.