Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: CA
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:
To Whom It May Concern, Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ( XXXX ) XXXX I, XXXX XXXX XXXX was a victim of identity theft and needed to submit this cover letter with the required documents for confirmation of identity and fraud. 
There are multiple inquires on my credit report that are not from me. I need them removed ASAP. 
I have already submitted multiple letters trying to handle this problem. Below is a list of the documents that are attached to this letter. 

Copy of DL, SSN, FTC REPORT XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 1
5 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : XXXX XXXXL XXXX XXXX XXXX XXXX XXXX - REMOVE INQUIRY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY XXXX XXXX - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX, XXXX XXXX - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY XXXX XXXX, XXXX - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX, XXXX XXXX - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX REMOVE INQUIRY XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX REMOVE INQUIRY XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX I HAVE THIS OPEN CREDIT CARD } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX XXXX

Company response to consumer: Closed with explanation