Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and request for investigation regarding several egregious violations of consumer protection laws by multiple creditors, as outlined below. The violations have had a profound and deeply distressing impact on my life, causing significant emotional and financial distress. I implore the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal provisions outlined herein and ensure justice is served. 

Unauthorized Inquiries and Payment Reporting Discrepancy : I have uncovered multiple instances where unauthorized inquiries were made on my credit report without my consent, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) - Section XXXX. Moreover, I have diligently adhered to agreed-upon payment terms with XXXX ( Account Number : XXXX ). However, an error has caused my payment history to be inaccurately represented, impacting my creditworthiness and future financial prospects. This breach of the FCRA - Section 623 has inflicted severe emotional distress, as I have worked tirelessly to maintain a positive credit profile.

Request for Removal of Inquiries : Furthermore, I am requesting the removal of inquiries from my credit report as follows : XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX  : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX Unauthorized inquiry on XX/XX/XXXX. 
XXXX  XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX  : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX  : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX  : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX  : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX  : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
I am deeply distressed by the culmination of these violations, which have dramatically affected my ability to secure favorable financing, housing, and other life necessities. The emotional toll of these events can not be understated ; my dreams have been deferred, and my well-being compromised.

In light of the aforementioned, I earnestly request that the CFPB take immediate action to investigate these violations and ensure that the creditors adhere to their legal obligations. I kindly implore the CFPB to engage with these creditors and request the prompt removal of the unauthorized inquiries and the correction of my payment history with XXXX. 

My hope is that justice will prevail, my credit history will be rectified, and I can regain the opportunities that were unjustly taken away from me. I believe in the power of consumer protection laws and the role of the CFPB in upholding them. I trust that the CFPB will act in my best interest to ensure that these violations are addressed and that justice is served.

Thank you for your attention to this matter. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX XXXX