Date Received: 2024-01-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I insist that your bureau undertakes a thorough investigation into this matter and takes immediate action to correct the inaccuracies in reporting. The late payment dates must be updated to accurately reflect the true timeline of my payments, ensuring a fair and transparent representation of my credit history. XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. These inaccuracies not only tarnish my credit report but also have real-life implications on my ability to secure credit, loans, and other financial opportunities. I believe in the importance of accurate credit reporting, and I expect your bureau to uphold the highest standards in this regard. I request that you provide me with a written response detailing the steps taken to investigate and correct the inaccuracies on my credit report. Additionally, I urge your bureau to expedite the update of my credit report to reflect the accurate payment history without any further delay.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was checking my credit report and noticed that I have multiple inquiries showing on my credit report that I have no knowledge of or never did business with to pull my credit report.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Company Response:
State: LA
Zip: 71303
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please delete XXXX XX/XX/XXXX XXXX XX/XX/XXXX inquires. No knowledge. Not authorized
Company Response:
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response:
State: LA
Zip: 70817
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **Subject : ** Unauthorized Inquiries on My Credit Report Dear Equifax Team , I hope this letter finds you well. Upon reviewing my credit report, I have identified several unauthorized inquiries that I wish to address : 1. XXXX XXXX XXXX - Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Requested On : XX/XX/2023 - Inquiry Type : Individual 2. XXXX - Location : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Requested On : XX/XX/2023, XX/XX/2023 - Phone : ( XXXX ) XXXX - Inquiry Type : Individual 3. XXXX XXXX XXXX - Location : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX - Requested On : XX/XX/XXXX XXXXXX/XX/2023 - Phone : ( XXXX ) XXXX - Inquiry Type : Individual 4. XXXX XXXX - Location : XXXXXXXX XXXX XXXXXXXX, XXXXXXXXXXXX XXXX XXXXXXXX - Requested On : XX/XX/2023, XX/XX/2023 - Phone : ( XXXX ) XXXX - Inquiry Type : Individual I wish to clarify that I did not authorize these inquiries and have no association or dealings with the referenced entities. According to the Fair Credit Reporting Act ( FCRA ), credit reports should only be accessed for valid purposes, such as credit evaluations, employment verifications, and other lawful business endeavors. I am concerned that these inquiries do not meet the criteria for permissible purposes under the FCRA. I respectfully request that Equifax conduct a thorough investigation into these unauthorized inquiries. Should it be determined that these inquiries were not authorized or lacked a permissible reason, I request their immediate removal from my credit report to maintain its accuracy. I trust in Equifax 's commitment to ensuring the integrity of credit information and look forward to a prompt resolution. Please keep me informed of your findings and any actions taken. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A