Consumer complaint received 2024-10-23 00:00:00
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.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, This letter serves as a formal complaint regarding your disregard for my previous request and failure to uphold adequate procedures in your operations to ensure the highest level of accuracy in the credit reports you publish. Credit reporting regulations dictate that bureaus should only report credit information that is 100 % accurate, and every effort must be made to ensure the reported information is entirely correct. 

Please refer to my previous correspondence for the details that require further investigation. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX, BEST B Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized CREDIT TECHNOLOGY Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized CREDIT TECHNOLOGY Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT Under Section 611 of the FCRA, credit bureaus are required to investigate and correct any inaccurate or unauthorized information on my credit report within 30 days. Given that the stipulated time has passed without resolution, I am requesting the immediate removal of these unauthorized inquiries from my credit report. 
Furthermore, under Section 604 of the FCRA, these hard inquiries could only have been conducted with my express authorization, which was never granted. Therefore, I insist that you, as a credit bureau, take the necessary steps to remove these records. 


Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation