Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Adverse Action Dispute - Unauthorized Use of Credit and Violation of 15 USC 1691 Dear Equifax Dispute Resolution, I am writing to formally dispute certain information present on my consumer report maintained by Equifax Information Services LLC. Pursuant to the provisions of 15 USC 1691 and other applicable laws, I believe my rights as a consumer and a natural person have been infringed upon due to unauthorized use of my credit, as evidenced by unauthorized inquiries on my consumer report. 

I have recently become aware of inquiries on my consumer report which I did not authorize or benefit from. These inquiries have led to the extension of credit and utilization of credit without my consent or involvement. As a result, I have not received any benefit from these credit extensions, and this unauthorized use constitutes a clear violation of my rights and privacy. 

Furthermore, I must bring to your attention that this unauthorized use of my credit, by way of identity theft, has significantly damaged my mode of living, my standing in commerce, and has caused severe mental anguish. Such actions not only infringe upon my rights as a consumer but also have far-reaching consequences that affect various aspects of my life. 

I am fully aware of the provisions outlined in 15 USC 1643, which address unauthorized use of credit and provide remedies to consumers in cases of identity theft. Moreover, I would like to emphasize that, as an original creditor, I am lawfully entitled to be granted credit and my creditworthiness should not be denied solely based on credit scores. This is underscored by the fact that an inquiry, as defined by federal law, constitutes a transaction for which I have not derived any benefit. This situation amounts to a clear instance of discrimination, as it disregards my open-ended credit plan as described under 15 USC 1602j . 

I expect Equifax, as a reputable credit reporting agency, to adhere to the highest standards of professionalism and compliance with federal laws. It is imperative that you investigate this matter thoroughly and promptly correct the inaccuracies present in my consumer report. I request that you take immediate action to remove the unauthorized inquiries and any associated negative information from my report, as well as take measures to prevent such unauthorized actions from occurring in the future. 

Please provide me with a written response detailing the steps you have taken to address my concerns and correct the inaccuracies in my consumer report. I look forward to a swift resolution of this matter. Your cooperation is expected in order to rectify the violations of my rights and restore the integrity of my credit profile. 

Thank you for your attention to this matter. I can be reached at XXXX or via email at XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation