Consumer complaint received 2024-10-26
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)

I am writing to formally submit a complaint regarding multiple inaccurate inquiries on my consumer credit report. These inquiries were made by the following entities : XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXX XXXX  XXXX XXXX of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax Upon reviewing my credit report, I have identified these inquiries that I believe are inaccurate and unauthorized. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to take legal action if inaccuracies exist in their credit report. Therefore, I am writing to inform you of my intent to pursue legal action if these inaccuracies are not addressed promptly.

Failure to Provide Accurate Reporting : I have found that some inquiries on my credit report do not accurately reflect my credit history or any legitimate application for credit. This violates my right under the FCRA to have accurate and complete information in my consumer report. 
Unfair or Deceptive Practices : I believe that the reporting agencies and the creditors listed have engaged in unfair or deceptive practices by allowing inquiries to remain on my report without proper authorization, as required by the FCRA. 
Lack of Proper Investigation : I have disputed these inquiries with the credit reporting agencies, yet they have failed to conduct a thorough investigation into the validity of these inquiries as required by the FCRA. 
Inadequate Notification : I did not receive proper notification regarding the inquiries that were made on my credit report, which I am entitled to under the FCRA. This lack of transparency prevents me from understanding how my credit is being evaluated.

Impact on Creditworthiness : The inaccuracies in my credit report, including these unauthorized inquiries, have adversely affected my creditworthiness and have hindered my ability to obtain credit, violating my rights as a consumer under the FCRA. 
Failure to Correct Inaccuracies : Despite my attempts to resolve these discrepancies, the credit reporting agencies have not corrected the inaccurate information on my report, which is a violation of my rights under the FCRA.