Consumer complaint received 2018-09-15
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:
To Whom It May Concern, Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : ( List all the companies that have pulled your credit, whom you did not give permission to do so ) 1. XXXX XXXX XXXX XXXX , XXXX - Inquiry : XX/XX/2017 2.  XXXX XXXX/XXXX - Inquiry : XX/XX/2017 3. XXXX XXXX XXXX/XXXX XXXX - Inquiry : XX/XX/2017 4. XXXX XXXX XXXX - Inquiry : XX/XX/2017 5. 

Please remove these inquiries from my credit report immediately. I have enclosed a copy of my drivers license as proof of identity. 

I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. ( I DID NOT AUTHORIZE THIS INQUIRY. ) I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this.

There is no question here, that you willfully violated my rights and that I could bring charges against you immediately but I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself or your staff of such dangerous actions. And if any of this letter is getting confusing to you, I recommend you have your attorney assist you in understanding this letter as well.

I will also be checking my credit report to see if you have willfully reported an unverified and disputable debt to the credit bureaus. If so, that will be a violation of the Fair Credit Reporting Act. I will state again If I receive anything other than absolute proof that you removed all marks and comments from my credit file, I will assume you are harassing me and ignoring my cease and desist letter and will be reporting this to my State Attorney General and the XXXX XXXX XXXX and the XXXX.

I am requesting with this written notice that the all inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information.

I have asked you to provide documentation about the account or application for credit pursuant to section 615 ( g ) ( 2 ) of the FCRA, you have not done so. Please provide me with the following documents pertaining to the fraudulent debt or application for service or credit : 1. Application records or screen prints of Internet or phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers and computers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account 9. Forms containing my clients actual signature, and not a computer printout of a signature

Company response to consumer: Closed with explanation