Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I am writing to formally dispute the inaccuracies and unauthorized inquiries that remain on my credit reports with Equifax, XXXX, and XXXX. Despite my repeated attempts to have these items investigated and removed, I have yet to receive a proper response, reinvestigation, or updated credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). I am invoking my rights under the FCRA and requesting immediate assistance in removing this unverifiable and inaccurate information. 

Equifax Disputes : 1. Inaccurate Personal Information : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX, XXXX, GA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address : XXXX XXXX XXXX, XXXX, CO XXXX Previous Address : XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX Previous Address : XXXX XXXX XXXX, XXXX, CO XXXX XXXX. Unauthorized Inquiries : XXXX XXXXXXXX XXXX ( Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ) XXXX XXXX ( Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) XXXX. Accounts Requiring Investigation and Removal : XXXX XXXX XXXX ( Account Number : XXXX ) 15 USC 1681i ( a ) ( 5 ). 
XXXXXXXX XXXX ( Account Number : XXXX ) 15 USC 1681i ( a ) ( 5 ). 

XXXX XXXX XXXX XXXX. Inaccurate Personal Information : Former : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Also Known As : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XXXX. Unauthorized Inquiries : 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 XXXX XXXX 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 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 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 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 XX/XX/XXXX ) XXXX. Accounts Requiring Investigation and Removal : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX5 USC 1681i ( a ) ( 5 ). 
XXXX XXXX XXXX ( Account Number : XXXX* ) 15 USC 1681i ( a ) ( 5 ). 

Violations of FCRA ( 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681i ( a ) ( 5 ) ) : Under 15 USC 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Despite my multiple disputes, no description of the reinvestigations has been provided, nor have the inaccuracies been corrected. Additionally, under 15 USC 1681i ( a ) ( 5 ), any unverifiable information must be promptly deleted from the consumers credit report. The credit reporting agencies have failed to meet these requirements.

My Request : 1. The immediate removal of all inaccurate personal information, unauthorized inquiries, and unverifiable accounts listed above.

2. A detailed reinvestigation procedure as required by 15 USC 1681i ( a ) ( 1 ) ( A ).

3. Updated credit reports from each bureau, reflecting the removal of these inaccuracies.

4. Compensation for FCRA violations, as the FCRA allows for compensation up to {$1000.00} per violation, in addition to legal fees, for non-compliance with these laws.

Thank you for your attention to this matter. I expect prompt action to rectify these violations.