Consumer complaint received 2025-01-25 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:
Thank you for your response. However, I still have concerns regarding the verification of the account and the unauthorized inquiries listed on my credit report. Please note that this is my third ( XXXX and XX/XX/year> ) as well as this complaint regarding these issues, and I am still awaiting a satisfactory resolution. 

XXXX XXXX XXXX XXXX XXXXXXXX Account : Youve confirmed that this account belongs to me, but you have not provided any documentation to prove its accuracy, as required by FCRA Section 611 ( 15 U.S.C. 1681i ). You mention that the dispute was transmitted electronically to the furnisher ( XXXX XXXX XXXX  ), but you have not provided any details about the evidence they submitted or the verification process. 

Please provide : Proof of how the account was verified, including the specific evidence or documentation the furnisher ( XXXX XXXX XXXX  ) provided. 
A clear explanation of how the verification process was conducted. 


2. Unauthorized Inquiries : While you mention that inquiries are a factual record of file access and are retained for up to two years, FCRA Section 1681b requires that credit inquiries must be made with my explicit consent or for a permissible purpose ( such as for an existing credit relationship or employment purposes ). 

Contradicting Equifaxs Response on Inquiries : Equifax claims that i

nquiries are a factual record of file access and must remain on the file for two years. They assert that inquiries are retained for employment purposes ( two years ) and other purposes ( one year ) but also state that their policy is to retain all inquiries for two years, regardless of the purpose. 
Equifax further claims that inquiries benefit consumers by providing a record of firms accessing their credit file. 
However, Equifax has failed to provide : Proof that these specific inquiries were authorized. 
Evidence showing they were for employment or other valid permissible purposes as required by the FCRA.

Simply retaining inquiries for two years under a blanket policy does not justify their presence if they were not made with my consent or for a permissible purpose. 

The following inquiries were made without my authorization, and I am requesting proof of my consent for each XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  provide the following for each inquiry listed : Documentation showing that I authorized the inquiry. 
Proof of the permissible purpose for which the inquiry was made. 


XXXX. Investigation Process : Your response outlines the general investigation process but does not explain the specifics of how the disputed account was verified or how the inquiries were processed. As required by FCRA Section 611, please provide the following : The specific documentation received electronically from the furnisher ( XXXX XXXX XXXX  or others ) to substantiate the accounts accuracy. 
The name of the person or department that handled the verification.

Company response to consumer: Closed with non-monetary relief