Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: IL
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 completed a FTC identity complaint on XX/XX/2020. I submitted the report to EQUIFAX and submitted a cfpb complaint and there are still inquiries that remain that we listed on the report. EQUIFAX has failed to live up to their grave responsibility for accurate reporting. These inquiries are preventing me from renting an apartment for me and my son. My landlord is selling the unit and I need a new place to live. I have also applied for credit and been declined because of the inquiries. EQUIFAX failure to ensure of accurate reporting is causing financial and mental harm. I am stressing out and have been diagnosed with XXXX because I can not provide for my family because EQUIFAX failure at their grave responsibility pursuant to 15 USC 1681a ( 4 ). EQUIFAX are supposed to have procedures in place and have failed. Pursuant to 15 USC 1681C-2, EQUIFAX has the ability to block attempts to remove identity theft information is the consumer benefited. If EQUIFAX is saying that I benefited then please provide a sign affidavit under penalty of perjury for the CEO stating that they have proof that I benefited from the inquiries. Also, pursuant to 15 usc 1681b ( c ) ( 3 ) 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 submitted proper paperwork stating that I don't recognize the listed inquiries and EQUIFAX Is violation of 15 usc 1681b ( c ) ( 3 ). I am not a credit report company, I am the consumer XXXX XXXX. I am an XXXX XXXX XXXX and these corporations are continually breaking the law and financially, mentally an emotionally harm the consumer. The CFPB is in place to regulate these consumer reporting agency and I have put in complaints and still no full results. This is not a dispute. I am demanding these inquires are removed. These corporation are unlawfully furnishing data to the consumer 's report and creating great harm to the consumer. By being an agent of the CFPB, I need the CFPB to do their job and regulate and enforce the laws that EQUIFAX is breaking against me. It is important that the people at CFPB take this seriously and assist me the consumer with invoking my rights. This is a matter of life and death for me. I am being mentally, emotionally, and financially harmed by EQUIFAX. I the consumer invokes my rights the law does not state a police report is needed because there are different types of identity theft. WHen a debt collector purchases a debt, they did not have permission to do so and that is identity theft. Identity theft mean no consent. This not a dispute, this is not a bot, or a credit repair company. I am an agent of the cfpb and I need the CFPB to assist me to invoke my rights. EQUIFAX HAS FAILED ME AS A CONSUMER.

Company response to consumer: Closed with explanation