Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: AL
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:
My original letter was sent on XX/XX/XXXX and followed up with a second letter on XX/XX/XXXX. This DISPUTE LETTER is being submitted in light of the fact of your blatant violation of the TILA, FCRA and FDCPA laws. I reviewed my credit reports and noticed there are several violations which if not addressed will continue to cause my family and I financial hardship and mental anguish. 
You are reporting INQUIRIES that are the result of what I believe to be fraudulent activities. This is due to the fact that you are willfully posting my personal information even after many data breaches. I must note that I did not apply for credit accounts with the below listed companies and creditors. Some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from my credit file. 
15 US CODE 1681c - 2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 15US CODE 6821 - making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution. The fact that you are willingly reporting false information about my personal financial information is a violation.

15US CODE 6823 - Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both.

15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see.

15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights.

15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc. clearly shows you are in violation of this law. 
15 US CODE 1692K- Civil Liability ( a ) amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of The below listed accounts that are in violation 15 US CODE 1681 ( a ) ( 4 ) and 15 US CODE 6802 ( b ) ( 1 ) ( c ) I did not give permission for you to disclose my personal data The following inquiries are the result of these violations and Im requesting you please remove them as soon as possible : INQUIRIES : 1. Name of company : XXXX XXXX of inquiry : XX/XX/XXXX2. Name of company : XXXX Date of Inquiry : XX/XX/XXXX3. Name of company : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation