Consumer complaint received 2024-02-28
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. (AL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS TO AGENT RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. I did not authorize this inquiry.. I repeat I DID NOT initiate this inquiry. It was not a firm offer of credit or insurance. This account needs to be removed from my credit report immediately Violation of 15 U.S.CODE 1681 ( 1 ) ( A ) ( B ) ( i ) ( 3 ) XXXX XXXX XXXX Inquired onXXXX On record untilJan XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired onXXXX On record untilXX/XX/XXXXXXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX On record untilXXXX XXXX XXXX XXXX XXXX Inquired XXXX On record untilXXXX  XXXX XXXX XXXX XXXX XXXX XXXX On record untilXXXX XXXX XXXX XXXX XXXX Inquired onXXXX On record untilXXXX  XXXX XXXX XXXX XXXX XXXX On record untilJul XXXX XXXXXXXX XXXX XXXXXXXX Inquired XXXX On record untilXXXX XXXX XXXX XXXX XXXX Inquired XXXX On record untilXXXX XXXX XXXX XXXX Inquired XXXX On record untilJul XXXX XXXX XXXX XXXX Inquired XXXX On record untilXXXX XXXX XXXX XXXX XXXX XXXX XXXX On record untilXXXX XXXX XXXX XXXX Inquired XXXX According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's 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 of reseller. Please take action on my credit report ; these things are stopping my credit from going up ; Myself and family are having a hard time to buy a house ; because these negative report items, personal information, late payments, inquiries and closed accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX box XXXX XXXX XXXX PA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed immediately. 
I demand the following accounts be verified or removed immediately. Late Payments Name of Account Account Number Provide Physical Verification XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX 5. Account Name : XXXX Account Number : XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed. Thanking you in advance for your anticipated quick co-operation on this matter. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX