Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Greetings ; I have called Equifax early XXXX to report inaccurate/ unauthorized reporting of hard inquiries on my credit file that I do not know anything about and did not authorize. I asked for the fraud department, to make them aware of Identity theft activities being done with my personal identification. My wallet was stolen which contained all my personal I.Ds including my XXXX Drivers License, and Social Security Card. I have called the police at the time of the stolen wallet and filed an official police report as well as filed a complaint with FTC, regarding misuse of my ids with someone trying to open up credit with my name and ss #.

I have written a full dispute letter ( see attached ) disputing all the 4 unauthorized hard inquiries on my credit file, that I did not agree to nor initiate ; as my wallet has been stolen I believe someone is using my personal details to attempt to obtain some sort of credit ; and also included is proof/documents supporting my dispute such as copies of police reports and a copy of the FTC complaint that was all attached to my dispute, however, Equifax fraud dept is still refusing to delete all the disputed unauthorized inquiries, here below are the 4 fraudulent inquiries to be deleted from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX ) XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX of inquiry : XX/XX/XXXX If these are not deleted according to 15 USC 1681i ; I would like to pursue legal and financial compensation for the misuse and abuse and violation of the 15 USC 1681i ( 5 ) Treatment of Inaccurate or Unverifiable information. which states : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

As its been OVER 30 DAYS Sense my original dispute and complaint, and no changes nor proof of the accuracy of such reporting I request here and now to Please delete all above as soon as possible.

P.S. Please find attached to this complaint a recent credit report from XXXX report # XXXX and also copies of OVER 30 day old dispute letter sent to Equifax ( Fraud Dept ), as well as copies of police reports and FTC complaint all sent to Equifax , with my dispute letter, and still they refused to delete said errors. 

Thank you!