davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

Complaint Against Select Portfolio Servicing , Inc. for Incorrect Tax Payment and Non-Refund of Overpaid Amount. 

I am writing to file a formal complaint against Select Portfolio Servicing, Inc. regarding an incorrect tax payment made from my loan escrow account and the subsequent failure to refund the overpaid amount, resulting in a significant increase in my monthly loan payments. 

On XX/XX/XXXX, Select Portfolio Servicing, Inc. erroneously disbursed {$45000.00} from my loan escrow account for a tax payment. This incorrect payment led to an increase in my monthly loan payment from {$11000.00} to {$22000.00}. Despite numerous attempts to resolve this issue through calls, emails, and mailed communications throughout the past year, the company has failed to refund the full amount to my escrow account. 

Furthermore, I received a Dispute Resolution Letter from Select Portfolio Servicing , Inc. on XX/XX/XXXX. The letter inaccurately stated that the tax disbursements were in accordance with information from the county website. However, there is no document supporting the payment of {$45000.00} made on XX/XX/XXXX. 

The letter also mentioned an adjustment of {$11000.00} has moved to this loan, but this adjustment was not reflected in the accompanying escrow disbursement history. 

Additionally, the Annual Escrow Account Disclosure Statement I received on XX/XX/XXXX, from Select Portfolio Servicing , Inc. shows an estimated disbursement of {$47000.00} for city tax, which is disproportionately high compared to taxes for my other XXXX properties. This suggests that Select Portfolio Servicing , Inc. has not acknowledged their error and may repeat the same mistake in future payments. 

This situation has caused me significant financial strain and distress. I request your urgent intervention to resolve this matter. I am seeking a full refund of the overpaid amount to my escrow account, an adjustment to my monthly payments to the correct amount, and a thorough investigation into the practices of Select Portfolio Servicing , Inc .
Consumer complaint received 2022-11-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I've contacted the account listed below & they told me I've never missed a payment, yet Experian, XXXX and XXXX refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian, XXXX and XXXX 's job for them to shield my credit & prove my identity. PLEASE CORRECT THIS RIGHT AWAY!!! 
XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$12000.00}
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-12
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

These Accounts have violated my rights According to FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED.

I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU.

PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT.

YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA.

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (NC)

I wrote to XXXX, XXXX, and XXXX Requesting an investigation of the following inaccurate accounts reporting on my credit report over 30 days ago. They credit bureaus claim that they have completed a reasonable investigation with the furnisher of the account And verified a 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile which is causing damage to my credit score. 

Account # :
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I have several inquiries on my credit report that are fraudulent on my Equifax that damaged my credit score Im not able to come a home owner because of this matter I need these inquiries to be removed XXXX XXXX inquiry date : XX/XX/22 removal dateXXXX XXXX XXXX XXXX inquiry XXXX removal date:XXXX XXXX XXXX XXXX inquiry dateXXXX removal date:XX/XX/XXXX XXXX XXXX XXXX inquiry dateXXXX removal dateXXXX XXXX XXXX XXXX inquiry dateXXXX removal dateXXXX
Consumer complaint received 2020-07-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (TN)

GM Financial is reporting a much higher balance than what was owed. They apparently sold my vehicle for much less than it was worth, however, i will never actually know what they sold it for because they have, on many occasions refused to send me a complete accounting of what i owe and why. This company is still reporting to the credit bureaus, XXXX, XXXX, and XXXX, a very large amount that i have offered to pay less for but as they have refused several times to send me a complete and accurate accounting of what is owed along with proof of what the car sold for and proof of the tow charges. I would like this large amount removed from my credit because they have refused to send me an itemized accounting or proof of what is owed.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Consumer complaint received 2022-12-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX  XXXX XXXX .... Balance : {$17000.00}
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

IN REGARDS TO SEVERAL ACCOUNTS ( listed below ) I was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATIONXXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information. 

I request that this account be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts XXXX OPENED ON XX/XX/XXXX {$20000.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$20000.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$2200.00} BALANCE
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention a matter of utmost importance regarding my credit report. Upon a recent review of my credit history, I discovered several inquiries that were not initiated or authorized by me. This has raised serious concerns about potential fraudulent activity and its potential impact on my financial well-being. 

I have attached a copy of my credit report, highlighting the unauthorized inquiries for your reference. The fraudulent nature of these inquiries is evident as I have not applied for any new credit or services that would warrant such checks. As a responsible consumer, I take great care in managing my financial affairs, and the presence of these unauthorized inquiries is both alarming and distressing. 

I understand the critical role credit bureaus play in maintaining accurate and reliable credit information. Therefore, I kindly request that you initiate an immediate investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. I believe it is crucial to rectify this issue promptly to safeguard my financial standing and prevent any potential negative consequences. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. I trust that your investigation will be conducted thoroughly and efficiently to rectify this matter at the earliest convenience. I also request that you provide me with updates on the progress of the investigation and inform me once the unauthorized inquiries have been successfully removed from my credit report.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I've noticed unauthorized inquiries on my reports XXXX, Equifax and XXXX. I reported and provided this information over to the representatives and XXXX at all three ( XXXX ) bureaus over the phone. I've mention to them how I was aware that according to the FCRA, legally these unverified and unauthorized items must be moved but instead with XXXX they said they DO NOT and WILL NOT REMOVE any inquiries and gave no reason as to why. I am in the process of applying for a home loan and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
Below is a summary of the data that I am challenging : XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX. XXXX XX/XX/XXXX -Equifax XXXX. XXXX XXXX XX/XX/XXXX- Equifax XXXX. XXXX XXXX XXXX XX/XX/XXXX- Equifax XXXX. XXXX XXXX XX/XX/XXXX- Equifax XXXX. XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Report Act XXXX, XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 

This account reported on my credit report is a fraudulent account.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

Early Warning Systems was notified in Early 2018 that I was a victim of Identity Theft. At the time of reporting the incident I listed off the information that was fraudulent and that should be blocked. As the FCRA has laws to protect consumers of fraud. My Wallet was stolen and in my wallet was my social security card, drivers license and even my email address. My Address was also forwarded from these crooks at the time. I reported this to the FTC and sent Early Warning Systems a FTC Affidavit explaining the crime that occurred. Additionally EWS intially blocked the information but later readded it? This information is still fraudulent and I still did not authorize this. Please block the fraudulent information listed for XXXX XXXX XXXX Routing # XXXX Account # XXXX. This account list an address XXXX XXXX XXXX XXXX, TX XXXX. I have not ever lived at this address. It is also important to note I have already reported this account to XXXX XXXX as identity theft. This account was only opened after my wallet was stolen and could not be recovered. You have been notified of the crime and should not be placing fraudulent information back on my consumer report AFTER already blocking. THIS ACCOUNT IS FRAUDULENT. Please block this account, as this is fraud. 

Additionally the Inquiries listed below are fraudulent. These have not been removed and have not been blocked. I did not authorize these either, Also I am requesting a security freeze be placed on my Early Warning Systems Report, as well as a Fraud Alert. 

Inquiry XX/XX/2018 XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX XXXX XXXX  - NOT AUTHORIZED FRAUDULENT. Not Permissible. 
Inquiry XX/XX/2018 XXXX - Not Authorized. 
Inquiry XX/XX/2018 XXXX - Not Authorized. 
Inquiry XX/XX/2018 XXXX XXXX XXXX - Not Authorized. 
Inquiry XX/XX/2018 XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX - Not authorized. 
Inquiry XX/XX/2018 XXXX XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX XXXX - PA - NOT AUTHORIZED.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.