Consumer complaint received 2025-01-21 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: AL

Complaint narrative:
I filed a dispute regarding several unauthorized and/or unknown inquires and inaccurate accounts on my credit report. It has been over 30 days and I have not received an update or any letters validating the information. I reported that I have received notices of several data breaches and that ALL of my personal information including my Social Security number and driver 's license number is on the Dark Web! I am writing AGAIN to formally dispute several inaccuracies on my credit report, including unauthorized inquiries, improperly reported bankruptcies, and accounts listed with derogatory status despite their inclusion in bankruptcy discharge. Please consider this correspondence as a request to now investigate, correct, and remove these erroneous items under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. in accordance with my rights. Despite my previous attempts to dispute these inaccuracies, they remain uncorrected and unverified! It is essential that these errors are addressed promptly and deleted to comply with FCRA accuracy requirements. 

* Unauthorized Credit Inquiries : The following credit inquiries appear on my report without my authorization. I neither requested nor provided consent for these inquiries : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were unauthorized and, as such, violate FCRA provisions regarding permissible purposes for credit inquiries ( 15 U.S.C. 1681b ). I request that these inquiries be removed from my credit report as they were not initiated by me or any action of mine. I requested documentation showing my consent for each inquiry, if the furnisher believes these inquiries are valid. It has been over 45 days and I have not received anything. 



*Improper Reporting of Bankruptcies My credit report incorrectly reflects two bankruptcy cases that the court confirmed should not be reported to credit bureaus. In particular : 1. XXXX  XXXX Bankruptcy - XX/XX/XXXX, listed as Dismissed with a {$0.00} balance. 2. XXXX  XXXX Bankruptcy - XX/XX/XXXX, listed as Discharged with a {$0.00} balance. Per the courts confirmation, they do not report these cases to credit bureaus. 

Additionally, Under the FCRA, this inaccurate reporting causes undue harm to my creditworthiness. I request an immediate correction and removal of any reference to these cases.

*Accounts Improperly Listed as Derogatory Despite Bankruptcy Discharge, Innacurrate, and Time Barred due to the Statute o

f Limitations under Alabama law. I have identified certain accounts on my report that continue to be listed as
derogatory, even though they were included and subsequently discharged in bankruptcy and is time-barred. Reporting derogatory status, or delinquent payments on discharged debts contravenes FCRA accuracy requirements ( 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681c ( 2 ), and 15 U.S.C. 1601 ) and FDCPA protections. I request an investigation and prompt removal of any delinquent designations on accounts included in my bankruptcy. 

( 1 )XXXX XXXX XXXX XXXXXXXX Reported : XXXX. XXXX, XXXX  - {$0.00} Closed Overview You have 0 % left to pay on this loan. Balance : {$0.00} Highest Balance : $ XXXX  Monthly payment : {$0.00} Opened : XXXX XXXX, XXXX  ( XXXX yrs, XXXX mos ) Term : No Info Payment History Last payment : No Info Current Payment Status : No Info Worst Payment Status : No Info Account Details Account status : Derogatory Type : Unsecured loan Responsibility : Individual Remarks : XXXX  XXXX bankruptcy Times 30/60/90 days late : XXXX Closed : XXXX. XXXX, XXXX ( 2 ). XXXX XXXX XXXX Reported : XXXX XXXX, XXXX  - {$0.00} Closed Overview You're currently using 0 % of your account 's limit. Balance : {$0.00} Credit limit : $ XXXX  Monthly payment : {$0.00} Opened : XXXX XXXX, XXXX  ( 6 yrs, 10 mos ) Payment History Last payment : XXXX XXXX, XXXX  Current Payment Status : No Info Amount past due : {$0.00} Worst Payment Status : No Info Account Details Account status : Derogatory Type : Credit Card Responsibility : Individual Remarks : XXXX  XXXX ; dispute of account information Times 30/60/90 days late : XXXX Closed : XXXX XXXX, XXXX  ( 3 ). XXXX XXXX XXXX XXXX, Account Number XXXX Conclusion As I have previously disputed these inaccuracies multiple times without correction or verification, I respectfully request that these issues be prioritized and resolved. Please complete your investigation within the 30-day statutory timeframe and provide a corrected credit report reflecting the removal of these inaccuracies. For each disputed item, I request all relevant information used to verify the accuracy of the entry, including any documentation proving that I consented to each of the inquiries. Thank you for your prompt attention to these matters. I trust that these errors will be corrected to ensure compliance with the FCRA and uphold the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief