Consumer complaint received 2024-05-18 00:00:00
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.
State: MA

Complaint narrative:
Re : Appeal Against Erroneous Decision on Hard Inquiry Disputes Dear Equifax Customer Service, I am writing to formally appeal the recent decision regarding my dispute about four unauthorized hard inquiries ( XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX ) on my credit report. The refusal to remove these inquiries, based on the assertion that they are a factual finding, is incorrect and unjust. 

Firstly, I want to highlight that both XXXX and XXXX have properly investigated and subsequently removed these unauthorized hard inquiries from my credit profile. This clearly indicates that these inquiries were indeed unauthorized and should not be present on my credit report. 

Furthermore, I spoke with an Equifax agent on XX/XX/2024 who assured me that these inquiries would be removed if other credit bureaus also removed them and once I submitted the required documentation. I have complied fully by providing all necessary documents, yet these inquiries remain on my Equifax report.The previous complaint number that was unjustly denied by your company as transmitted through CFPB is XXXX. We are happy in the role that CFPB is playing and will consider federal law violations if the right actions are not followed in light of the illegal refusal of Equifax to follow the rule of consumer laws in this matter. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies ensure the accuracy and integrity of the information they report. Specifically, under XXXX XXXX XXXX XXXX, credit reporting agencies are required to conduct a reasonable investigation into any disputes raised by consumers. Additionally, per XXXX XXXX XXXX XXXX ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. XXXX did follow the rule of law, XXXX did but Equifax is flirting with the idea of breaking consumer laws with applicable penalties. 

By refusing to remove these unauthorized inquiries despite the evidence provided and the actions taken by other credit bureaus, Equifax is failing to adhere to these FCRA requirements. I request a detailed explanation of the methods of investigation used in this case. It is essential to understand how Equifax arrived at the decision to maintain these inaccurate records on my credit profile. 

Consumer laws clearly states that ALL consumers are entitled to this information. 

I urge you to reassess this dispute urgently and rectify these errors by removing the unauthorized hard inquiries from my credit report. Failure to comply with FCRA regulations not only continues to damage my credit profile but also constitutes a violation of federal law. 

I look forward to a prompt resolution of this matter and expect the necessary corrections to be made without further delay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation