Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled a copy of my Equifax consumer report and noticed some hard inquiries I would like to dispute. They are as follows : Hard Inquiry : XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ) , and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX XXXX  Date : XXXX  Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX  Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX Date : XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation