Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I faxed a dispute letter to Equifax regarding unauthorized inquiries reporting on my consumer/credit file and they have failed to respond to my letter. 
I also completed an Federal Trade Commission Identity Theft Report which was attached to my dispute letter. Equifax is violation several FCRA laws by continuing to report these fraudulently inquiries on my consumer/credit file. 

According to the FCRA, I have the right to an accurate consumer/credit report. 
According to the FCRA, your company is violating several of my consumer rights. See List Below. 
15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1681e Compliance Procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( e ) Procurement of Consumer Report for Resale ( 1 ) Disclosure. A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 604 [ 1681b ] for which the report is furnished to the end-user of the report ( or information ). 

15 U.S.C 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

I demand these inquires be deleted immediately from my consumer/credit file as they were not authorized by me. 

1.Creditor XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX 2.Creditor XXXX XXXX XXXX XXXX Inquiry Date : XXXX 3.Creditor XXXX XXXX XXXX XXXX Inquiry Date : XXXX 4.Creditor XXXX XXXX XXXX XXXX Inquiry Date : XXXX 5.Creditor XXXX XXXX Inquiry Date XXXX XXXX

Company response to consumer: Closed with explanation