Consumer complaint received 2025-03-27 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: WI

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint against Equifax, Experian & Transunion for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Despite my diligent efforts to resolve these issues through proper dispute channels, the inaccurate information remains on my credit report. 

Background - On XX/XX/XXXX, I discovered multiple collections accounts and unauthorized inquiries & collections accounts on my credit report that I do not recognize or authorize. 
- I submitted written disputes to the credit bureaus, including supporting documentation, requesting verification and removal of the inaccurate information pursuant to 15 U.S. Code 1681i.

- The bureaus responded that the information was verified without providing sufficient evidence or conducting a reasonable investigation, violating my rights under 15 U.S. Code 1681s-2.

- I also sent debt validation requests to the debt collectors as outlined in 15 U.S. Code 1692g, but they failed to provide adequate validation.

Violations Committed 1. Failure to Conduct a Reasonable Investigation ( 15 U.S. Code 1681i ) - The credit bureaus failed to conduct a proper investigation as required by law.

2. Reporting Inaccurate Information ( 15 U.S. Code 1681s-2 ) - Furnishers of information continued reporting inaccurate data without proper verification.

3. Failure to Provide Debt Validation ( 15 U.S. Code 1692g ) - Debt collectors did not fulfill their obligation to validate the debts within 30 days of receiving my request.

4. Unfair and Deceptive Practices ( 12 U.S. Code 5531 ) - The actions of the involved parties demonstrate unfair and deceptive practices in violation of the Consumer Financial Protection Act.

Requested Resolution I am requesting the following actions from the CFPB : 1. Conduct a thorough investigation into the conduct of the credit bureaus and debt collectors.

2. Require the removal of all unverified and unauthorized accounts, inquiries, and negative information from my credit report.

3. Enforce applicable penalties for non-compliance with federal laws. 4. Provide confirmation of the corrective actions taken.

Supporting Documents I have attached the following evidence to substantiate my claims : - Copies of my dispute letters to the credit bureaus.

- Credit bureau responses stating the accounts were verified.

- Certified mail receipts and tracking information showing that we're way past 30 days.

Conclusion Under my rights outlined in the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I demand immediate resolution of these matters. I trust that the CFPB will ensure compliance with consumer protection laws and restore the accuracy of my credit report. 

Thank you for your time and assistance. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Inquiries and Delinquent Collections Accounts on Credit Report Dear TransUnion, I am writing to dispute the unauthorized inquiries and delinquent collections accounts on my credit report that are inaccurate and do not belong to me. These accounts and inquiries are not only false, but they are also violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have identified the following accounts and inquiries on my credit report that I am disputing : 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 have also attached a list of unauthorized inquiries made to my credit report that are not initiated by me. 

These erroneous entries are putting me in financial distress and preventing me from living a quality life. The continued presence of these inaccurate accounts and inquiries on my credit report is suppressing and oppressing me unfairly. 

I demand that these illegal inaccuracies be removed from my credit report expeditiously to comply with the provisions of the FCRA. As per USC 15 1692 & 1681, I request that you investigate these disputed accounts and inquiries and provide me with a written response within 30 days as per the FCRA guidelines.

Failure to comply with this request may result in legal action being taken against TransUnion for violations of consumer protection laws. I am prepared to escalate this matter to the Consumer Financial Protection Bureau and seek legal counsel if necessary. 

Please send me a written confirmation once these inaccurate accounts and inquiries have been removed from my credit report. 

Sincerely, 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 Dear Experian Consumer Relations, I am writing to dispute the accuracy of the information on my credit report provided by Experian. I have reviewed my credit report and have identified several accounts that have incorrect information regarding credit inquiries. I believe these errors violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

The following accounts with incorrect information include : 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 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 XXXXXX/XX/XXXX I am requesting that Experian conduct a thorough investigation into these inaccuracies and promptly correct the information on my credit report. These errors are in violation of the FCRA and FDCPA, which protect consumers from inaccurate information on their credit reports.

According to 15 U.S. Code 1681i, Experian is required to conduct an investigation within 30 days of receiving a dispute. Additionally, under the FDCPA, Experian must provide accurate and complete information to consumers.

I expect Experian to comply with these laws and ensure that my credit report is accurate and up to date. Please provide me with a written confirmation of the investigation results and any corrections made to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Inquiries on Credit Report Dear Equifax, I am writing to dispute the unauthorized inquiries that have appeared on my credit report. According to the Fair Debt Collection Practices Act ( 15 USC 1692 ), I have the right to dispute any inaccurate or unauthorized information on my credit report.

The following inquiries have been listed on my credit report without my consent : 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 XXXXXX/XX/XXXX As per the provided information, it is evident that there have been multiple unauthorized inquiries made into my credit report. These inquiries are affecting my credit score and financial credibility, despite the fact that I did not authorize or initiate them. 
I request that you investigate these unauthorized inquiries and remove them from my credit report immediately. I also request that you provide me with a written confirmation once these inquiries are resolved. 

Please respond to this dispute within 30 days in accordance with the Fair Credit Reporting Act. If the inquiries are not removed promptly, I will be forced to take further legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 
Sincerely,

Company response to consumer: Closed with explanation