Consumer complaint received 2024-04-18
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. (GA)

I am writing to dispute several items on my credit report that I believe are inaccurate and potentially fraudulent. Upon reviewing my credit report, I have discovered unauthorized inquiries, incorrect addresses, and accounts that I did not open. These inaccuracies are damaging my creditworthiness and may expose me to identity theft and financial harm.

Unauthorized Inquiries : Several inquiries appear on my credit report that I did not authorize or initiate. According to the Fair Credit Reporting Act ( FCRA ) Section 604, only permissible purposes allow inquiries into my credit report, and any unauthorized inquiries violate this provision. As such, I request the immediate removal of these unauthorized inquiries from my credit report. 
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ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts : Furthermore, I have identified accounts on my credit report that I did not open or authorize. These accounts are likely the result of identity theft or fraudulent activity. Under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), consumers are protected against fraudulent accounts and are entitled to have them removed from their credit reports. I request a thorough investigation into these accounts and their immediate removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported balance Highest balance {$720.00} Nice! You've paid off 100 % of this loan XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed In good standing I am enclosing copies of relevant documents, such as identification and proof of address, to assist you in your investigation. Please provide me with a written explanation of the actions taken regarding my dispute, as well as an updated copy of my credit report reflecting the necessary corrections. 

Thank you for your prompt attention to this matter. I expect a resolution in accordance with the laws outlined above.