Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against multiple creditors for their blatant violations of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ), which have caused significant distress and adverse effects on my financial well-being. I kindly request your assistance in investigating and enforcing my legal rights as a consumer. 

Violation 1 : Unauthorized Inquiries Without Consent I have discovered unauthorized credit inquiries on my credit report, with several creditors having pulled my credit information without obtaining my explicit consent. These inquiries have taken place on the following dates : XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XX/XX/XXXX ( XXXX XXXX ) - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX  - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX  - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX  - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XX/XX/XXXX ( XXXX XXXX ) - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX  - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX This is not my name. Delete it immediately from my report. 
The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX This address is not correct. Delete it immediately from my report. 
The following personal information is incorrect PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address is not correct. Delete it immediately from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Violation 2 : Inaccurate Reporting of Account Information The creditor XXXX has inaccurately reported account number XXXX, suggesting late payments that are inconsistent with my payment history. This has significantly damaged my credit score and reputation. 

FCRA Section 607, FCRA Section 623 Violation 3 : Reporting of Incorrect Personal Information Furthermore, the credit reporting agencies have included incorrect personal information, such as alternate names and previous addresses that are entirely unfamiliar to me. This misinformation has caused confusion and misrepresented my identity. 

FCRA Section 607, FCRA Section 623 Accounts and Resolution Request : The following are the specific accounts in question along with their respective violations : Unauthorized Inquiries without Consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I urge the Consumer Financial Protection Bureau to investigate and enforce my legal rights under the FCRA and ECOA. Specifically, I request that the following actions be taken : Immediate removal of unauthorized inquiries from my credit report. 
Correction of inaccuracies in account reporting, particularly the XXXX XXXX XXXX XXXX 
Prompt removal of incorrect personal information, including alternate names and previous addresses. 
The goal of these requests is not only to rectify the violations but also to restore my financial standing and peace of mind. I appreciate your attention to this matter and your commitment to protecting consumers like me from unjust treatment by creditors and credit reporting agencies. 

Thank you for your prompt attention to this serious matter. I look forward to a resolution that will enable me to move forward with renewed hope for a secure financial future. 

Sincerely, XXXX XXXX