Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute several violations by creditors and to request the enforcement of my legal rights under the relevant consumer protection laws. Upon reviewing my credit report, I have identified a multitude of instances where creditors have engaged in actions that are not only unjust but have significantly impacted both my financial well-being and personal life. 

The following is a comprehensive list of the violations that I have encountered : 1. Unauthorized Credit Pulls : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXXXXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXXXXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX  | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX XXXX  | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX. Unverified Accounts and Inaccurate Reporting : XXXX XXXX XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 
XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 
XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 
XXXX  : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 
XXXX : Account number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 
XXXX XXXXXXXX XXXX : Account number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX : Account number : Name This name belongs to someone else. Delete it from my report immediately. 
XXXX XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 
XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address This address belongs to someone else. Delete it from my report immediately. 
XXXX XXXX XXXX XXXX LA XXXX XXXX : Account number : Address This address belongs to someone else. Delete it from my report immediately. 
The violations outlined above directly contravene the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Section 1681b : Permissible purposes of consumer reports. 
Section 1681e : Compliance procedures regarding the accuracy and completeness of information.

Fair Debt Collection Practices Act ( FDCPA ) : Section 804 : Acquisition of location information.

Section 805 : Communication in connection with debt collection.

Consumer Financial Protection Bureau ( CFPB ) Regulations : Regulation V : Fair Credit Reporting. 
Regulation F : Fair Debt Collection Practices Act. 
Identity Theft and Assumption Deterrence Act : Section 605B : Fraud alerts and active duty alerts.

Truth in Lending Act ( TILA ) : Section 1639 ( a ) : Credit card account rules.

I have been deeply affected by these violations, both financially and emotionally. The unauthorized credit pulls have led to unwarranted credit score reductions, obstructing my ability to secure favorable loans and housing. The unverified accounts and inaccuracies in my personal information have caused immense distress, affecting my mental well-being and adding undue hardship to my daily life. 

Given the profound impact these violations have had on my life, I kindly request that the Consumer Financial Protection Bureau intervene and enforce my legal rights. I implore you to take the necessary measures to hold these creditors accountable for their actions and ensure the rectification of my credit report in compliance with the law. 

I am seeking the following remedies : A thorough investigation into the unauthorized credit pulls and unverified accounts listed above. 
The enforcement of appropriate penalties against the creditors found to be in violation of consumer protection laws. 
A directive to the involved creditors to expeditiously remove any unverified accounts from my credit report. 
Facilitation of the correction of any inaccuracies in my personal information. 
I trust that the Consumer Financial Protection Bureau 's commitment to safeguarding consumers ' rights will lead to a just resolution of this matter. Please consider the profound implications these violations have had on my life and act to rectify the situation. 

Thank you for your attention to this matter. I anticipate a timely resolution and equitable outcome. Should you require additional information or supporting documentation, please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX