Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: NY
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:
Subject : REQUEST TO REMOVE UNAUTHORIZED INQUIRIES ACCOUNTS FROM CREDIT REPORT IN ACCORDANCEWITHTHE FAIR CREDIT REPORT ACT, 1 ] XXXX XXXX, DATE OF INQUIRY, XX/XX/XXXX 2 ] XXXX, DATE OF INQUIRY, XX/XX/XXXX 3 } XXXX, DATE OF INQUIRY, XX/XX/XXXX 4 ] XXXX, DATE OF INQUIRY, XX/XX/XXXX To whom it may concern, Im writing to dispute the following information on my credit report. I recently recieved a copy of my credit report, and i noticed that theirs unauthorized INQUIRY on my credit report from the companies stated in the complaint enclosed. To my knowledge i have not signed any documents authorizing the companies in question to view my credit report to begin with. The listed INQUERIES on my report were without my authorization and for no ligitemate buisness purposes. As such, it is a very serious error in reporting this, i've never authorized such actions. This constitutes a violation of my rights under the fair credit reporting act. SubSection 604 as well as a violation of my right to privacy. I'am requesting your office to intiate an investigation to determine responsible parties in this unauthorized situation that im going through. 

As part of your investigation please send me proof of any documents with my signature authorizing any type of credit signed on my behalf, so that i may verify it's validity. If you find that i was not the who authorized this transactions/ responsible for this INQUERIES i asked that it be removed IMMEDIATLEY from my credit report. If you find that i'am the one in error then please send me proof of this IMMEDIATLELY. 

Im also requesting to remove any names thats not listed on my Driver 's License enclosed.

Im also requesting to remove any adress not associated with what my Driver 's License say. According to my credit report thiers numerous fraudelant adresses and AKA 'S on my credit report. Which is affecting the way lenders view me to see if im reliable or not. Furthermore, but most importantly is getting me denied if i apply for credit because my information dont add up. 

Im requesting an updated credit report with these changes. I would like to thank you in advance for taking your time to read my letter and concerns to the end. Hopefully you will understand the nature of my circumstances. Enclosed theirs a copy of my ID card and social to proof my identity and so you may update my name and adress appropiately. Given the date and amount of these collections, I'am kindly requesting your agency to consider removing these collections of my credit report. As a gesture of good will or as a gesture of doing your investigation and finding out the facts that im a victim of fraudelant activities. 
Please remove from my account, Thank you. 
LASTLY, i do have a fraud alert since i was a victim of identity theft and my information was in a data breach with XXXX XXXX and i was a victim of phishing emails in my pass and my information been complicated. when the person or persons who try to apply for credit under my name i got a notification and now am trying to resolved this issues and inquirys with your company first to get them removed before i take further actions. i was told to exhaust my remedies first, i need help please. this is not right. thank you ones again and hope to hear from your office on your earliest convenience. stay safe Respectfully submitted XXXX XXXX XXXX

Company response to consumer: Closed with explanation