Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern, This is my 7th time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to Equifax, I have already contacted every I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file creditor directly and they have no proof of permissible purpose or even a record of me on file. 

I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from Equifax OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY, or provide me proof of permissible purpose. No idea who these companies even are. 

In accordance with the fair credit reporting these companies have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 



{ Creditor Name } : XXXX XXXX { Date } : XX/XX/XXXX { Reason : Not authorized/ No Permissible Purpose } { Creditor Name } : XXXX XXXX XXXX XXXX { Date } : XX/XX/XXXX { Reason : Not authorized/ No Permissible Purpose } { Creditor Name } : XXXX XXXX XXXX XXXX  { Date } : XX/XX/XXXX { Reason : Not authorized/ No Permissible Purpose } { Creditor Name } : XXXX { Date } : XX/XX/XXXX { Reason : Not authorized/ No Permissible Purpose } { Creditor Name } : XXXX { Date } : XX/XX/XXXX { Reason : Not authorized/ No Permissible Purpose } { Creditor Name } : XXXX { Date } : XX/XX/XXXX { Reason : Not authorized/ No Permissible Purpose } { Creditor Name } : XXXX XXXX { Date } : XX/XX/XXXX { Reason : Not authorized/ No Permissible Purpose } { Creditor Name } : XXXX XXXX XXXX XXXX { Date } : XX/XX/XXXX { Reason : Not authorized/ No Permissible Purpose } { Creditor Name } : XXXX { Date } : XX/XX/XXXX { Reason : Not authorized/ No Permissible Purpose } { Creditor Name } : XXXX XXXX { Date } : XX/XX/XXXX { Reason : Not authorized/ No Permissible Purpose } { Creditor Name } : XXXX RE { Date } : XX/XX/XXXX XXXX XXXX : Not authorized/ No Permissible Purpose } { Creditor Name } : XXXX RE { Date } : XX/XX/XXXX { Reason : Not authorized / No Permissible Purpose } Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries. 

Please provide me with the outcome of your thorough investigation within 30 days of receipt of this letter. I am sending this letter certified mail, with a return receipt requested so that I will have documented proof and confirmation of delivery of this letter. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation