Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted Equifax twice informing them about this situation and they keep responding by mailing me stall letter templates stating that I must identify myself even though with the letter I mailed to them, I included a copy of my State Driver License which has my current address and my Government issue Social Security XXXX. 

NO PERMISSIBLE PURPOSE AND DATA BREACH OR DATA LEAK XXXX XXXX and XXXX XXXX for XXXX XXXX and XXXX XXXX users such as your XXXX XXXX XXXX states that credit reporting by XXXX XXXX XXXX should be done based on accuracy, consumer access, correction, XXXX security and privacy. 

This request is to confirm current reporting of the hard inquiries were obtained using permissible purpose guidelines, in addition to being accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations. 

None of the inquiries listed below were provided Permissible Purpose for accessing my credit reports as The FCRA lists a number of permissible purposes for accessing consumer reports, as noted in Section 604 ( a ) ( 3 ) A-G. 

Accessing an individuals consumer report can only be done in accordance with the laws requirements. To access and use a consumer report for other purposes is illegal and subject to criminal penalties. 

Please remove the following inquiries from my report because they were not obtained using Permissible Purpose XXXX XXXX - XXXX Inquiry-Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XXXX Inquiry-Was Not XXXX XXXX XXXX Purpose XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX  XX/XX/XXXX Remove XXXX XXXX Not Obtained Using Permissible Purpose XXXX XXXX XXXX  XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXXXXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose In addition, your company, is a CRA ( Credit Reporting Agency ) that is mandated by : The Gramm Leach Bliley Act The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. As a Financial Institution under GLBA, credit bureaus are subject to significant regulation relating to data security through Section 501 ( b ), which requires the Federal Trade Commission ( FTC ) to promulgate rules to require financial institutions to have measures in place to keep customer information secure. 

Since this is my 3rd request, please do act quickly in removing the inquiries and once complete, mail me an updated copy of my credit report via USPS Mail showing the results and please do not mail me another stall letter.

Company response to consumer: Closed with explanation