Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

: New Complaint : New Information : New FTC : This is not a duplicate CFPB complaint XXXX XXXX XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Complaint Against Equifax - Case # XXXX Dear Equifax Dispute Resolution Department, I am writing to formally dispute and file a complaint against Equifax regarding discrepancies in my credit report and discriminatory practices I have encountered. This correspondence pertains to Case # XXXX and includes new information to be processed as a separate and distinct dispute. 

**New Dispute Information : ** - **FTC Complaint # : ** XXXX ( Attached ) - **Accounts to be Deleted : ** XXXX. XXXX XXXX XXXX ( XXXX XXXX ) - Account # XXXX XXXX. XXXX XXXX XXXX - **Hard Inquiries to be Removed : ** - XXXX XXXX ( Actual account removed on XX/XX/2023 ) - XXXX XXXX XXXXi **Factual Events : ** Today, XX/XX/2023, I spoke with Equifax Representative XXXX ( ID # XXXX ). During our conversation, XXXX XXXX revealed alarming information about internal practices at Equifax. She disclosed that several of my disputes, marked as investigated and completed, were canceled internally by Equifax staff without any proper investigation or removal of accounts. XXXX XXXX identified the following confirmation numbers associated with these canceled disputes : XXXX. Confirmation Number : XXXX XXXX. Confirmation Number : XXXX XXXX. Confirmation Number : XXXX Equifax Representative XXXX also acknowledged that Equifax has not followed up on any of my Consumer Financial Protection Bureau ( CFPB ) complaints. She advised me to file new CFPB complaints along with a Federal Trade Commission ( FTC ) complaint regarding discriminatory practices. 

**Credit Score Discrepancy : ** According to my records, on XX/XX/2023, my Equifax credit score was XXXX. However, as of today, XX/XX/2023, my score has dropped to XXXX without any corresponding inquiries or changes in creditors. This discrepancy raises concerns about targeted discrimination. Equifax 's failure to address my previous CFPB Complaint # XXXX, filed on XX/XX/2023, has resulted in negative information remaining on my report, causing a decrease in my credit score. 

XXXX XXXX : ** Confirmation Number : XXXX was investigated by Equifax XXXX removing several accounts, including XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX # XXXX. However, the hard inquiry by XXXX XXXX used to open a fraudulent loan was overlooked and not removed. 

**Formal Requests : ** I formally request the following actions : - Accept and update my FTC XXXX # XXXX and CFPB # XXXX. 
- Delete XXXX XXXX XXXX ( XXXX XXXXXXXX ) - Account # XXXX and XXXX XXXX XXXX. 
- Remove unauthorized inquiries. 
- Provide a letter of apology from Equifax for antisemitism and discriminatory practices. 

I trust that Equifax will conduct a thorough investigation and address these matters promptly. Your prompt attention to this issue is imperative. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX