Consumer complaint received 2024-10-04
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXX XX/XX/XXXX Equifax Subject : Dispute of Incorrect Information on Credit Report and Request for Removal of Unauthorized Reinsertion of Inquiries Dear Sirs and Madams at Equifax XXXX I am writing to you as a consumer to file a formal dispute regarding incorrect information on my credit report as well as the unauthorized reinsertion of previously deleted inquiries. 
XXXX. Incorrect Name on Report : My full legal name is XXXX XXXX XXXX XXXX, and I have noticed that your system is reporting incorrect variations of my name, such as XXXX XXXX and XXXX. These versions do not correspond to my identity and must be removed immediately, as having multiple names on my credit file could cause serious problems in the accuracy of my personal data and affect my ability to access financial services. 
Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ), all data must be reported accurately and verified. I request immediate correction to ensure that only my legal name, XXXX XXXX XXXX XXXX, is reflected in your system and to remove any additional variations that cause confusion or errors in my report. 
2. Unauthorized Reinsertion of Inquiries and Enforcement of Section 611 ( B ) of the FCRA : I have noticed that several inquiries that were previously deleted from my report have been reinserted without my authorization and without my receipt of proper notification pursuant to Section 611 ( B ) of the FCRA ( 15 U.S.C 1681i ), which sets forth the following specific points that must be met before any deleted information can be reinserted into my report : Section 611 ( B ) of the FCRA : ( B ) ( i ) : The credit reporting agency must receive certified information from the source providing the data indicating that the deleted information is accurate and may be returned to the consumer 's file.

( B ) ( ii ) : If information is reinserted, the credit reporting agency must send the consumer a written notice within five business days after the reinsertion, advising the consumer of the inclusion of the information and providing the name, address, and telephone number of the source of the data. 
( B ) ( iii ) : The notice must contain a statement of your rights under the FCRA and how you can dispute the information again if it is still incorrect. Below I detail the queries that were improperly re-inserted and in violation of Section 611 ( B ) : XX/XX/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 XXXXXXXX XXXX Each of these queries was previously deleted and their reinsertion was not accompanied by the required Section 611 ( B ) ( ii ) notice. Since I did not receive any supporting documentation validating the accuracy of these queries or formal written notice, these reinsertions constitute a direct violation of my rights under the FCRA. 
I further request the immediate deletion of the account reflected as XXXX XXXX, as its presence in my report violates the FCRA 's principles of accuracy and verifiability. Under California state law, the reinsertion of these queries without notice and without providing supporting documentation is a violation of consumer protection laws, including : California Business and Professions Code Section 17200, which prohibits unfair business practices.

California Consumer Privacy Act ( CCPA ), which ensures the protection and control of personal data. 
Since reinserting inquiries without my authorization or without the required notification is a violation of federal and state laws, I require that you immediately remove these inquiries and correct my name on my credit file. 
I request that you promptly investigate this matter and provide me with the results in writing within the 30-day timeframe required by the FCRA. I would also appreciate the supporting documentation used for reinserting these inquiries as referenced in Section 611 ( B ) of the FCRA.

If no action is taken, I will consider exercising my legal rights under the FCRA, CCPA, and California consumer protection laws.I thank you in advance for your cooperation in this matter. 
Sincerely, XXXX XXXX XXXX XXXX