Consumer complaint received 2025-01-17 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: NC

Complaint narrative:
Subject : Follow-Up Dispute on Collection Account Reporting and Unauthorized Inquiries Dear Equifax, XXXX am writing to follow up on my prior dispute regarding the collection account for Banner Bank XXXX XXXX XXXX by XXXX of XXXX XXXX XXXX XXXX would give you an account number, but it is asked out completely on the credit report so I can not verify the account number either. I will enclose a photo as proof, as well as unauthorized inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and verifiable credit report. The discrepancies and unauthorized activity on my report remain unresolved. 

Specifically : XXXX. The Date Assigned is listed as XX/XX/XXXX, while the Date of Last Payment is listed as XX/XX/XXXX. These dates are contradictory, as the account appears to have been assigned to collections XXXX years before a supposed payment. Furthermore, I have been homeless since XXXX was only a mailing address to receive my documents, making it impossible for me to have made any such payment. 
XXXX. Numerous hard inquiries, soft inquiries, and promotional inquiries appear on my credit report that were not authorized by me and are therefore in violation of XXXX XXXX. XXXX. Under the FCRA, consumer reporting agencies are only permitted to include inquiries that meet the permissible purposes outlined in the statute. These inquiries lack my consent or a legitimate purpose, as defined by XXXX XXXX. XXXX ( f ). 

I formally request the following actions in compliance with the FCRA : XXXX of the Inquiries and Account : Provide physical copies of all documentation showing that these inquiries and the collection account were authorized by me. This includes any evidence of my consent for the hard inquiries, soft inquiries, and promotional inquiries. 
Details of XXXX Process : Provide the name, position, and contact information of the individual or team responsible for verifying these items, along with a detailed explanation of the steps taken during the verification process. 
XXXX Correction or Deletion : If you can not provide verifiable proof that the inquiries and collection account are authorized and valid, I demand that they be immediately removed from my credit report as per XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). 

Publishing and distributing unverified or unauthorized information on my credit report is damaging to my reputation and financial well-being. As such, I expect this matter to be addressed within 30 days of receipt of this letter, as required by the FCRA. Failure to comply with this request XXXX result in a formal complaint to the Consumer Financial Protection Bureau ( XXXX ) and legal action to enforce my rights under XXXX XXXX. XXXX and XXXX, which provide remedies for willful and negligent noncompliance. 

Thank you for addressing this matter promptly. Please provide me with an updated and corrected credit report reflecting the requested deletions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief