Consumer complaint received 2023-07-08
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: Reporting company used your report improperly

Complaint:
XXXX XXXX, XXXX. 
XXXX XXXX. XXXX XXXX XXXX, VA XXXX Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$2000.00} Settlement. ACCOUND ENDING IN -9153 To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Equifax consumer report on XX/XX/XXXX and XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


I have not initiated any transaction with XXXX XXXX XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a, with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 



15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ON TWO SEPERATE OCCASIONS XXXX XXXX  ACCESSED MY EQUIFAX CONSUMER REPORT WIHOUT PERMISSABLE PURPOSE AND EQUIFAX SUPPLIED MY CONSUMER REPORT WITHOUT VERIFYING XXXX XXXX XXXX XXXX HAD A LAWFUL PERMISSABLE PURPOSE, INITIATED BY ME GRANTING PERMISSION. I HAVE NO OPEN ACCOUNT WITH XXXX XXXXXXXX. THIS ACCOUNT HAS BEEN CLOSED FOR SEVERAL YEARS, NO EXACT DATE BECAUSE XXXX XXXX IS REFUSING TO UPDATE OR CORRECT OR PROVIDE ACCURATE INFORMATION REGARDLESS OF HOW MANY DISPUTES I FILE OR COMPLAINTAINTS I FILE WITH CFPB, BECAUSE THE CFPB, EQUIFAX AND XXXX ARE ALL IGNORING THEIR DUTY TO ACT AS IT PERTAINS TO THEIR OBLIGATIONS AND REQUIRMENTS ACCORDING TO THE FCRA AND DUTIES ASSIGNED BY CONGRESS. DATES ACCESSED XX/XX/XXXX AND XX/XX/XXXX

Company response to consumer: Closed with explanation