Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: OH
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:
For the past month of XXXX and on into XXXX I have been disputing the sole inquiry on my credit file which is XXXX XXXX XXXX XXXX XXXX ON XXXX. I spoke to SEVERAL Supervisors at Equifax who advised me to send in the following documents ID, SOCIAL SECURITY CARD, FTC REPORT AND POLICE REPORT. I sent those documents in a total of five times and I sent them certified so I have proof of receipt from USPS. SEVERAL times Equifax verified my documents. One time they said they couldnt see my ID and SOCIAL so I resent those documents. They received those on XXXX. Now mind you they said the other documents were satisfactory and OK. So I resent ALL the documents and made sure they received a legible copy of my ID and SOCIAL. They also sent me a letter confirmation XXXX XXXXXXXX stating THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. But its STILL reporting. They say one thing and do another. What they are doing is contradicting. Today I called and they said the date wasnt on the FTC report. FYI FTC ONLY ALLOWS YOU TO PUT THE MONTH AND YEAR THE FORMAT DOESNT ALLOW YOU TO INPUT THE EXACT DATE A BLIND MAN CAN SEE THAT. My Attorneys will be able to prove that. But they never said that before ALL they said was that the ID and SOCIAL was not legible. THATS IT. So now they are coming up with something else. The inquiry reporting is FRAUD ITS NOT MINE I DIDNT AUTHORIZE IT IVE PROVIDED ENOUGH PROOF TO PROVE THAT. I AM NOW SENDING A NEW FTC REPORT, along with the same documents they received on XXXX which were my ID AND SOCIAL AND POLICE REPORT and a signed letter stating I did not authorize BC THATS WHAT THEY ARE TELLING ME TO DO. EVERYTIME THEY ASK ME TO DO SOMETHING I DO IT. THIS HAS GONE ON FOR THE PAST MONTH. YOU CAN EVEN REVIEW ALL THE CALLS. PLEASE REMOVE THE INQUIRIES THEY ARE VIOLATING MY FCRA RIGHTS PER FCRA 15USC 1681 SECTION 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer report- ing agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any require- ment imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with explanation