Consumer complaint received 2023-04-13
Company: Zip Co US 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX of XXXX XXXX XXXX ( XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX AZ XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX Inqused on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX inquired on XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MI, XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Unspecified. This inquiry is continue on record until XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Inquired on Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Unspecified This inquiry is scheduled to continue on record until XX/XX/XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX Auto loan. This inquiry is Ccontinue on record until XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX IL XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. 

XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquired XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX, XXXX OH XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation