Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear Equifax, I hope this letter finds you well. I am writing to formally dispute inaccurate information that appears on my credit report, which was provided by your bureau. Despite multiple previous disputes, the information remains unresolved, and I am seeking prompt correction. 

The following entries are inaccurate : XXXX Credit inquiries : Inquiry from XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX. XXXX from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
XXXX. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
XXXX. XXXX from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
XXXX. XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX. Inquiry from XXXX XXXX XXXX on XXXX XXXX recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX. XXXX from XXXX mortgage XX/XX/XXXX I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

These inaccuracies are causing damage to my credit score and, therefore, my financial well-being. Please investigate these discrepancies immediately, as per the guidelines set by the Fair Credit Reporting Act ( FCRA ). 

I would also like to highlight that there have been consistent issues with the accuracy of the information provided by Equifax, which led to the Consumer Financial Protection Bureau ( CFPB ) filing a lawsuit against Equifax for similar failures to accurately handle disputes and update consumer credit files. It is troubling that my attempts to correct these issues have not been addressed, despite clear regulations in place that require accurate reporting. 

I request the following actions : XXXX. A thorough investigation into the disputed information and updates to my credit report. 
XXXX. Written confirmation of the results of your investigation and any changes made to my credit report. 
XXXX. A copy of my updated credit report once corrections have been made. 

I have enclosed any supporting documentation necessary for your investigation, including copies of my previous dispute letters and any related correspondence. 

Please acknowledge receipt of this dispute and confirm the status of your investigation within XXXX  days. If the information is not corrected, I will be forced to escalate this matter to the CFPB and may seek legal action to ensure my rights under the FCRA are upheld. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation