Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally request your assistance in addressing significant inaccuracies, unauthorized credit inquiries, and privacy violations on my credit reports from Equifax, XXXX, and XXXX. These issues have created financial hardship, preventing me from securing housing and employment opportunities. 

The following are the specific concerns I would like your office to investigate : XXXX. Unauthorized Credit Inquiries Several inquiries were made on my credit reports without my authorization : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX ( XXXX XXXX XXXX XXXX  XXXX ) XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX XXXX and XXXX XXXX XXXX I was pre-approved for financing through XXXX  XXXX and did not authorize these entities to run my credit. Additionally, I did not provide my Social Security number to these entities except XXXX, where I explicitly stated that only the pre-approval should be used. 

I request that these inquiries be removed from my credit reports as they were unauthorized and violate 15 U.S.C. 6802.

2. Inaccurate Personal Information The following personal details are incorrect on my credit reports : Employer Information : The only valid employers should be XXXX and the Department of Veteran Affairs. 
Addresses : The only valid addresses are XXXX XXXX XXXX, XXXX, VA XXXX, and XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, VA XXXX. Any other address is not mailable so remove anything else. 
Name : My legal name is XXXX XXXX XXXX XXXX All former or alternate names should be removed due to identity theft and the accounts I have that have been breached. I don't have any open accounts in those other names. So if anything the names should have appeared under former, not known as! 

XXXX. Account Balance Discrepancies Several accounts are inaccurately reported : XXXX  XXXX : I owe {$130.00}, but XXXX and Equifax report {$510.00}. 
XXXX XXXX XXXX XXXX : I owe {$98.00}, but all XXXX  bureaus report {$480.00}. 
XXXX XXXX : Paid off, but all XXXX  bureaus report {$1300.00}. 
XXXX XXXX XXXX XXXX : My current balance is {$2100.00}, but all XXXX  bureaus report {$2400.00}. 
XXXX XXXX Credit Card : My balance is {$5100.00}, but all XXXX  bureaus report {$5900.00}. 
XXXX XXXX XXXX : My balance is {$1600.00}, but all XXXX  bureaus report {$1800.00}. 

These inaccuracies violate the FCRA and must be corrected. 

XXXX. Accounts Included in Bankruptcy The following accounts included in my bankruptcy are still reported as delinquent : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Credit Card All other accounts included in the bankruptcy have been removed, so these two should be as well.

Additionally, my bankruptcy is improperly reported on my credit report. As per 16 CFR 313, this constitutes a violation of my financial privacy. The bankruptcy was not authorized for use as a line of credit, and its inclusion violates my rights under the FCRA. 

XXXX. XXXX XXXX XXXX XXXX is reporting an auto loan for {$15000.00} from XXXX, which I never authorized or obtained. I request an investigation and removal of this fraudulent account. 

Resolution Requested I respectfully request that CFPB : Remove all unauthorized inquiries listed above. 
Correct inaccuracies in personal information, employer details, and account balances. 
Remove all accounts included in bankruptcy and investigate the improper reporting of the bankruptcy itself. 
Remove the fraudulent XXXX auto loan. 

These errors and violations have caused undue hardship, including barriers to obtaining housing and employment. I trust in the CFPBs ability to enforce compliance with consumer protection laws and resolve these issues promptly. 

Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for further documentation or clarification. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief