Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: CA
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:
Creditor 's Name : XXXX , XXXX XXXX ( XXXX ) Creditor 's Address :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Date XX/XX/XXXX Dear Sir or Madam, RE : Unauthorized Credit Inquiry by Your Company on my Credit Reports DISPUTE INQUIRY While checking my personal credit report, which I acquired from [ XXXX, XXXX , Equifax ], I noticed an inquiry made by your company on -- XX/XX/XXXX-- I did not authorized anyone employed by your company to make an inquiry and view my credit report. I have only one bank XXXX opened. i have no recall of any relation with XXXX, have access my information wrongfully. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.

1. ( a ) Verification. Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity.

2. This is an un rebutted statement of facts. Your response is not required, however if you fail to rebut these statements within ( 5 ) days then it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading.

3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity.

Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document.

4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports.

As it is that I am willing to contact the Federal Trade Commission, Report you to Both The XXXX XXXX XXXX XXXX XXXX and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved. 

If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. 

Please send me a written confirmation that you have complied with my requests. 

Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ]  and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation