Consumer complaint received 2021-09-14
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:
Notice to all I am, a Federally Protected Consumer in fact a Natural Person, Original Creditor, Lender, Executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accepted being the executor both in public and private for all matters, proceeding, and I hereby claim that I will b/d/a XXXX, XXXX and all autograph as the agent, attorney, so be it. 

The Fair Credit Reporting Act ( FCRA ) is intended to secure and protect my rights as a consumer. As well as to prevent and address unfair credit reporting practices by credit reporting agencies. The FCRA is intended to ensure consumer reporting agencies exercise their grave responsibility to fairness, accuracy, impartiality, and a respect for my rights as a consumer to privacy. 

On XX/XX/XXXX, XX/XX/XXXX XXXX I notified Equifax that there was data housed on my consumer report that I did not recongize in the form of unthorized inquiries. I advised that the Consumer reporting agency that I did not consent to authorize nor benefit from any of the below inquires or incorrect information, and I would like the infomration blocked and removed from my consumer report at once. 

Todate Equifax has still failed to correct this monumental issue. Due to their unwillingsness to correct this problem I have suffered a substantical amount of injuries/ Damages due to this lack of upholding the grave responsability by Equifax in their assumed role as a Consumer reporting agency. Per 15 USC 1681 ( b ) as the Consumer Reporting agency it is Equifax 's responsablity to insure that I as a Federally Protected Consumer are being treated in a manner that is fair and equitable ; with regard to the confidentiality, accuracy, relevancy, and proper utilization of my information in accordance with the requirements set out by the FCRA. 


I am sure the removal of this erroneous and unverified information from the furnished Consumer report of Equifax, company records, or any and all derivatives therefore, of m and /or with any affiliates will ensure my privacy rights wont be violated again ; due to my lack of consent and this herein unrebutted statement of truth being serviced to you today and therefore standing as truth in commerce so be it and : Fact : Per 15 USC 1602 ( p ) Unauthorized Use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Fact : Per USC 1681c-2 ( a ) a consumer re
porting 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. 

Please note the following information is in direct violation of my Federally Protected Consumer Rights as we as the FCRA ( Fair Credit Reporting Act ) : I did not consent to authorize nor benefit from any of the below inquires or incorrect information : 1. The following personal information is incorrect and a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ) Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, TX XXXX Remedy : Remove this information from my Consumer Report immediately. This is a violation of my Federally Protected Consumer Rights. 


2. The following personal information is incorrect and a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  Tx, XXXX  Remedy : Remove this information from my Consumer Report immediately. This is a violation of my Federally Protected Consumer Rights.

3. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX/XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 4. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 5. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 6. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 7. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 8. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 9. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 10. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 11. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately. 
12. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 13. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 14. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 15. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 16. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 17. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 18. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 19. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately. 
20. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 21. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 22. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 23. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately 24. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX  Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately. 
25. I did not consent to the authorize nor benefit from this inquiry .The following inquiry is a violation 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1602 ( p ) XXXX XXXX Date of inquiry : XX/XX/XXXX Remedy : Please Block and Remove this Inquiry from my Consumer Report immediately. 


Theses remedies will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted statement of truth being serviced to you today and therefore standing as truth in commerce. I would also like to be compensated for the many violations/ injuries to my Consumer Report as well as my reputation.

Company response to consumer: Closed with explanation