Consumer complaint received 2022-07-05
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:
RE : My Credit Report Dear Sir or Madam : There is data on my consumer report that was obtained through identity theft. The transactions mentioned here were not reported on my consumer report with my express consent or directions. I'm asking for the reporting of this information to be stopped and removed. 
The presence of these inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block and delete this information from my credit file, pursuant to section 605B of the Fair Credit Reporting Act. My request to block is not being made in error, nor is it being made on the basis of a materially false statement I made about a fact that is pertinent to my request to prohibit the specific transactions. 
I understand that consumer complaints made directly to the furnisher will also not be solved in instances where the aggregator is the source of the problem : the consumer reporting agency to whom the furnisher provides information is already reporting accurately and the furnisher has no relationship with the aggregator. In those cases, only the aggregator can correct the report. Handling those disputes can be a challenge because the consumer reporting agency information is correct, but becomes incorrect when aggregated with the other reports. When consumers contact the furnisher directly, the furnisher can do little to correct it because the furnisher has no relationship with the aggregator. 
In Pursuant Of 15 USC 1681 B CRAs By Law Aren't Allowed To Furnish Anything On A Consumers Report Without the Consumers written content. And if I unknowingly gave any permissible purposes or written consent to Equifax, XXXX, and XXXX I hereby certify that I am making a Revocation for cause due to but not limited to consent and signature for not disclosing to me that I entered into an agreement or contract with you.Every contract must have six elements in order to be legally binding. If any one of the elements is missing, then there is no legally binding contract : 1. Offer by a person qualified to make the contract. 
2. Acceptance by a party qualified to make and accept the contract. 3. Agreements, full disclosure, and complete understanding by both parties. 
4.Consideration given. 
5. Every contract must have the element of time to make it lawful. 6. All parties must be of lawful age I would have not entered into that agreement if I knew that Equifax, XXXX, and XXXX actions were in direct violation of Federal Law surroundingConsumer Rights and Protections in addition to allowing fraudulent/unauthorized accounts and information to be furnished on my consumer report along with the lack of security on safeguarding my non public private information. Within 4 days of receiving this letter, you must comply with my request and prevent these transactions from being reported to my credit report. I eagerly await your response.

Company response to consumer: Closed with explanation