Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: WI
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:
I have unknown hard inquiries I have on my credit reporting file. I do not know of any of these hard inquiries on my credit report. I also have unknown collections on my credit report. I am in middle of buying my first home. I looked at credit report and seen many unauthorized negative items on my credit report. I tried to dispute these items it seems as if the credit bureau do not care. But I do care because its my credit like as if anyone should. I am using my rights as I should by the law. 
Under section 15 U.S.C 1681 section 602 : It states that I have the right to privacy Under section 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions Equifax- Collections : XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX WISCONSIN {$270.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX WISCONSIN {$110.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX WISCONSIN {$130.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX WISCONSIN {$120.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX WISCONSIN {$130.00} Balance updated XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Account Number # # # # # # XXXX Collection Agency XXXX XXXX Account Number # # # # # # XXXX Hard Inquiries : Date : XX/XX/XXXX Company : XXXX XXXX BANK XXXX XXXX Address : XXXX XXXX BANK XXXX XXXX, XXXX XXXXL XXXX XXXX, XXXX, VA XXXX Date : XX/XX/XXXX Company : XXXX Address : XXXX, XXXX XXXX XXXX, XXXX, WI XXXX Date : XXXX XXXX, XXXX Company : XXXX XXXX BANK XXXX XXXX Address : XXXX XXXX BANK XXXX XXXX, XXXX XXXXL XXXX XXXX, XXXX, VA XXXX Transunion- Collections : XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX WISCONSIN {$270.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX WISCONSIN {$110.00} Balance updated XX/XX/XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX WISCONSIN {$130.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX WISCONSIN {$120.00} Balance updated XX/XX/XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX WISCONSIN {$130.00} Balance updated XX/XX/XXXX Collection Agency XXXX Account Number XXXX Collection Agency XXXX XXXX XXXX XXXX Account XXXX XXXX Collection Agency XXXX XXXX XXXX Account Number XXXX Hard Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type XXXX XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX XXXX- XXXX  : XXXX XXXX XXXX Original creditor : XXXX XXXX OF WISCONSIN {$270.00} Balance updated XX/XX/XXXX OXXXX XXXX XXXX Original creditor : XXXX XXXX OF WISCONSIN {$110.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX OF WISCONSIN {$130.00} XXXX XXXX XXXX Original creditor : XXXX XXXX OF WISCONSIN {$120.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX OF WISCONSIN {$130.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Hard Inquiries : XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX RXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXS Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXXXXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX NJ, XXXX

Company response to consumer: Closed with explanation