Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: TX
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 would like to make this complaint on Equifax for reporting unauthorized, unknown and unrecognized inquiries on my consumer file. I have put equifax on notice on two different occasions and they refuse to delete them and instead my results state inquires are a factual record of file access. In addition, equifax is reporting a XXXX included with my name which is INACCURATE. My legal name associated with my social security identification card and drivers licencse does not have a XXXX in it. I am NOT A XXXX. I belive i XXXX be experiencing a MIXED FILE with Equifax and these inquires that I do not have acknowledgement on may be tied to that inaccurate name. Equifax refuse to acknowledge that fact. 

XX/XX/XXXX I sent equifax my first dispute for a deletion on inquires that were not authorized by myself. I even requested the paperwork showing I approved these inquires with my consent. 

XX/XX/XXXX Equifax sent me results confirmation number XXXX and the results outcome reads inquires are a factual record of file access and will remain on the equifax credit file two years form the report date of the inquiry. ( there was no inquiry name or date attached to any of these results ) XX/XX/XXXX I sent equifax my second dispute and clearly specified if equifax fails to delete the unauthorized inquires then a complaint will be submitted against there agency. 

XX/XX/XXXX XXXX sent me results confirmation number XXXX and the results outcome reads inquires are a factual record of file access. ( again, there was no inquiry name or date attached to any of these results. ) I do however notice that these results were generated for a consumer XXXX XXXX XXXX XXXX. I AM NOT A XXXX in the earlier months of disputing I put Equifax on notice to delete this name because I was not a XXXX. I attached a copy of my Drivers License to diminish any speculation. 

XX/XX/XXXX I sent equifax a XXXX letter with laws for them to comply to and specifies a complaint has been file against there agency for practicing non compliance procedures. Equifax is NOT following federal laws. I attached a copy of my social security card as well as my drivers licenses and proof of address to diminish any speculation that a XXXX is a suffix in my name. My full legal name is XXXX XXXX XXXX. A XXXX is NOT INCLUDED. 

This is part of my XX/XX/XXXX equifax dispute as verification I put equifax on notice of unauthorized inquiries being placed on my consumer file that is not attached to my legal name. 

1681b ( a ) ( 2 ) any consumer reporting agency may ( it is a choice not a requirement ) furnish a consumer report under he following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates.

1681b ( c ) ( 1 ) clearly specifies the consumer reporting agencies may ( meaning it is a choice, not a factual record of file access ) furnish a consumers report relating to any consumer in connection with any credit or insurance transaction that is NOT initiated by the consumer ONLY if ( A ) the consumer AUTHORIZES the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a FIRM OFFER of credit or insurance.

1681b ( c ) ( 3 ) clearly specifies information regarding inquires that a consumer reporting agency SHALL NOT furnish to any person a record of inquires in connection with a credit or insurance transaction that is NOT INITIATED by a consumer. ( meaning your agency is prohibited to furnish on my private nonpublic consumer file unauthorized inquires that were not initiated by me. ) Equifax has failed to comply on two different occasions. Now I bring this matter to your attention in hopes to get equifax to comply to federal and state laws. XXXX has Deleted most of these inquires and continue to delete them after every dispute. These inquires are inaccurate, unauthorized, unknown and unrecognized. None of the inquires consist of of firm offer of credit or insurance and I did not give written instruction to any of these creditors to have file access to my private consumer report. None of these creditors have information under my name and can not provide the written instruction to allow credit file access therefore file access was not permitted by me therefore these inquires are NOT a factual record on my consumer file.

Company response to consumer: Closed with explanation