Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to formally dispute and request an investigation into multiple violations of relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). The violations detailed below have caused significant distress in my life, affecting my financial well-being and overall peace of mind. Unauthorized Inquiries : Creditor : XXXX  XXXX BANK XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Inaccurate Account Information and Violations : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX Violations : Litigation involvement, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit. Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Incorrect Current Address : XXXX XXXX, XXXX De Violation : Reporting incorrect personal information. Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : XXXX  XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA XXXX XXXX, XXXX Unauthorized Inquiries : Creditor : XXXX  Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : XXXX  Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : Factual Data Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Inaccurate Account Information and Violations : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit. Relevant Law : Fair Credit Reporting Act ( FCRA ) The inaccuracies and unauthorized inquiries detailed above have caused immense distress in my personal life. Not only have these violations affected my financial well-being and creditworthiness, but they have also taken an emotional toll. As someone who has worked diligently to build a stable financial foundation, the continuous setbacks caused by these violations have been deeply disheartening. I thought this issue was fixed in prior CFPB INVESTIGATIONS that was closed with non monetary relief In light of the violations highlighted, I kindly request the immediate removal of these unverified accounts from my credit report. I urge you to enforce the legal protections outlined by the Fair Credit Reporting Act to ensure fair and accurate reporting of credit information. Thank you for your attention to this matter. I am hopeful that your intervention will help rectify these violations and restore my financial peace of mind. Sincerely, XXXX XXXX