Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
XXXX XXXXXX/XX/XXXX XXXX XXXX ( team ) Welcome! 
Hi XXXX, Welcome aboard! We're so glad you've decided to work with us to improve your credit. You've made an important first step towards achieving your financial goals. 



I want to set proper expectations upfront - the credit repair process does take some time and patience. Many negative items take several months of disputes and negotiations before we see progress. But rest assured that we have a systematic process that has worked for hundreds of clients over the years. 



Here is what you can expect from us : - Monthly credit updates : You'll receive a monthly statement from XXXX XXXX  any disputes we filed, responses received, changes to your scores, new information, and next steps. This will keep you looped in on progress. 



- Quarterly report reviews : Every three months, we will do a thorough review of your latest credit reports from the three bureaus. We'll develop additional dispute plans and identify any new issues that need addressing.

- Ongoing disputes & interventions : We'll continually monitor your reports and file rounds of disputes on your behalf over the next few months.

This is a waiting game that requires diligence. But stick with us and you'll see the steady improvements month-by-month. We're excited to help you build your credit into good standing! Please reach out with any other questions. 

Please make sure you complete the onboarding by uploading your photo id/proof of address & order your credit report if you have not done so already. Thank you. 

XXXX  XX/XX/XXXX XXXX XXXX ( team ) cfpb Hi XXXX, We have mailed out your disputes and begun intensive work on your profile. 

To get your credit issue resolved **quickly**, I also need you to submit a complaint to the **CFPB**. This will put pressure on the credit bureaus/collectors and strengthen our case. Since youll need to create an account, this step must be completed on your end. 



Once you receive a response, please send it to me here. Follow these steps : 1- **Go to : ** [ https : //www.consumerfinance.gov/complaint/ ] 2- Click ** '' Start a new complaint. " ** 3- **Select the issue type** ( Credit reporting ) 4- **Submit & track your complaint. ** Submit the items provided below please : To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate information : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized THD/CBNA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

23. The inquiry was not authorized XXXXXXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

24. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX  XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

25. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

26. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

27. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

28. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

29. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the provisions of the Fair Credit Reporting Act, I hereby request that you investigate these items and eliminate them from my report. It is my understanding that you will verify these items with the relevant creditor. Please delete any information that the creditor is unable to validate. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.

Furthermore, I kindly ask that you send an updated copy of my credit report to the aforementioned address. According to the act, there should be no charge for this updated report. Additionally, I request that you notify any recipients of my credit report in the past six months about the corrections made. 

Thank you for your attention and assistance regarding this matter.

Company response to consumer: Closed with non-monetary relief