Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Prior the many phone calls, I sent letters to each creditor and credit bureau asking for proof of validity of signed by me XXXX XXXX XXXX credit applications ( inquiries ) The Results Of Our Reinvestigation ( EQUIFAX ). 

>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
Inquiry Date : XX/XX/XXXX CR ( Continued On Next Page ) XXXX Page 3 of 6 XXXX XXXX  XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX ) >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX We have reviewed the consumer statement. The Following Consumer Statement Has Been Added/Updated To Your Credit File As You Had Requested. THE FCRA STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING SOMEONES CREDIT REPORT IS A ) FIRM OFFER OF CREDIT B ) INSURANCE C ) A COURT ORDER/ D ) EMPLOYMENT/ I RECENTLY PULLED A C OPY OF MY CREDIT REPORT AND NOTICED INQUIRES THAT I DID NOT AUTHORIZE AND DO NOT FIT A, B, C, OR D ABOVE ( XXXX ) XXXX Source : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX  This account was opened in XXXX. This account has since then been paid and closed. I reached out to XXXX XXXX  and asked for them to remove this item from my credit report. XXXX XXXX  agreed to do so, The lady I spoke with informed me that I just needed to call each credit bureur and repot the same statement to ( XXXX, EQUIFAX, XXXX ) I did just that and each agency then told me that I need something stating that XXXX XXXX  would remove the item. I Informed all three agencies again that XXXX XXXX  stated that there was nothing else to do but let all three agencies know to remove the account listed above due to the age of the account and it being in good standing. I have since then sent in 3 rounds of dispute letters asking for ( XXXX, EQUIFAX, XXXX ) to contact XXXX XXXX  and get the approval for removal the account above directly. I also asked for them to send me proof of application for credit inquiries listed above there are inquiries reporting to ( XXXX, EQUIFAX, XXXX ) that are incorrect and there is no signature from me showing that I gave the businesses above permissible permission to pull my credit report. 

As I know that I a direct violation of the FTC/FCRA These same items have been reported to my XXXX  report

Company response to consumer: Closed with explanation