Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed several disputes with EQUIFAX concerning the below listed unauthorized HARD INQUIRIES. 

Title 15 U.S. C. 1681b- Permissible Purposes of Consumer Reports ; states that it is illegal for anyone to have or access my credit file without my written permission. I therefore demand that EQUIFAX provide said written proof that I authorized the below listed Hard Inquiries that you are reporting. 

I Hereby Place EQUIFAX on notice That : Pursuant to 15 U.S.C. 1692a ( 3 ) I am the consumer, and I never gave XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, AND XXXX XXXX XXXX written consent to report anything on my consumer report, NO CONSENT is IDENTITY THEFT, pursuant to 15 U.S.C. 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor. 

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing, credit capacity, character, and most of all the REPUTATION of consumers. XXXX XXXX, XXXX XXXX, XXXX  XXXX, AND XXXX XXXX XXXX have listed these HARD INQUIRIES without my permission and written instruction. This is a violation of Federal Law pursuant to 15 U.S.C. 1681b. 

1. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. In accordance with the Federal Law listed above please send me written proof that I authorized this inquiry. Otherwise, DELETE this unverifiable hard inquiry from my credit report. 
2. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. In accordance with the Federal Law listed above please send me written proof that I authorized this inquiry. Otherwise, DELETE this unverifiable hard inquiry from my credit report. 
3. XXXX XXXX Bank ran an unauthorized credit inquiry on me on XXXX. In accordance with the Federal Law listed above please send me written proof that I authorized this inquiry. Otherwise, DELETE this unverifiable hard inquiry from my credit report. 
4. XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. In accordance with the Federal Law listed above please send me written proof that I authorized this inquiry. Otherwise, DELETE this unverifiable hard inquiry from my credit report. 

This false reporting by EQUIFAX constitutes a violation of my rights under the Fair Credit Reporting Act 604. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these unverifiable HARD INQUIRIES must be DELETED from my credit report within 15 days.

I am prepared to file suit against EQUIFAX for violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate, 15 U.S. Code 1681n - Civil liability for willful noncompliance and for violation of Regulation V. These three violations constitute a violation of The Consumer Protection Act.

Company response to consumer: Closed with explanation