Consumer complaint received 2023-08-11
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding several violations that have occurred in relation to my credit report. I am seeking your assistance in addressing these issues and enforcing the legal protections afforded to consumers under the Fair Credit Reporting Act ( FCRA ). The violations involve unauthorized credit inquiries, inaccurate personal information, and inaccurate address information. 

Unauthorized Credit Pull ( XXXX Account -XX/XX/2021) : I have recently discovered an unauthorized credit pull by XXXX on my credit report, dated XX/XX/XXXX. I have no recollection of authorizing this credit inquiry, and I demand that it be removed from my credit report. I am aware that the FCRA mandates that credit inquiries must be authorized by the consumer. If I did not provide explicit consent for this credit pull, it would constitute a violation of Section 604 of the FCRA. 

Inaccurate Personal Information ( XXXX XXXX XXXX XXXX XXXX XXXX A ) : Upon reviewing my credit report, I noticed that my personal information has been inaccurately reported as " XXXX XXXX XXXX XXXX XXXX XXXX A. '' This incorrect personal information is negatively impacting my credit profile. The FCRA requires that credit reporting agencies maintain accurate and up-to-date consumer information. I believe this situation could potentially violate Section 607 of the FCRA. 

Inaccurate Address Information ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX LA XXXX - Address ) : My credit report also displays XXXX inaccurate address listings : " XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX '' and " XXXX XXXX XXXX XXXX LA XXXX. '' Neither of these addresses are correct or associated with me. The FCRA mandates that consumer information, including addresses, must be accurately reported. These inaccurate addresses may potentially violate Section 607 of the FCRA.

I understand the importance of accurate and fair reporting for both consumers and creditors. The errors and unauthorized credit pull outlined above have caused undue stress and frustration. To provide a personal perspective, let me share a story of how these issues have impacted my life : Recently, I was in the process of securing a mortgage to purchase my first home. To my dismay, the inaccurate information on my credit report led to delays in the approval process. The lender expressed concern about the discrepancies and unauthorized inquiries, leading to a postponement of the home purchase. This not only caused emotional distress but also financial implications as I incurred additional costs due to the extended timeline.

In light of these violations and their real-world consequences, I kindly request the following actions : Verification and Removal : I request that the unauthorized credit pull by XXXX be verified as having been authorized by me. If this can not be verified, I request its immediate removal from my credit report. 
Correction of Inaccurate Personal Information : I request the correction of my personal information to accurately reflect my name. 
Removal of Inaccurate Addresses : I request the immediate removal of the inaccurate addresses associated with my credit report. 
I appreciate your attention to this matter and your commitment to upholding the rights of consumers under the FCRA. Your assistance in resolving these violations would greatly contribute to the improvement of my credit profile and my overall financial well-being. 

Please keep me informed of any progress made in this matter and any actions taken. I am available to provide any additional documentation or information as needed to support my dispute. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX