Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, 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 am a living man and consumer im aware that a consumer reporting agency may provide a consumer report based on written instructions from the consumer to whom it relates. Please give the documented instructions that I, the consumer, supplied to XXXX, EUIFAX, XXXX in order for this furnished account to be allowed. This inquiry is unlawful and has been provided without my permission. There was no permitted purpose, which is a violation of 15 USC 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove the inquiries account Notice, it is a fact, affiant is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to XXXX, EUIFAX, XXXX which has authorized this furnished account. this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove the following inquiries as seen on my report in Exhibits below. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. Exhibits below shows proof of 15 U.S.Code 1681b ( a ) ( 2 ) being violated by XXXX, EUIFAX, XXXX, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The following accounts must be removed as follow : as noted in Exhibit 1 of my report. If you are unable to supply me with these instructions provided by me prior to receiving this notice, this is a fraudulently created consumer complaint utilizing my identifying information. Exhibits below indicate proof that XXXX, EUIFAX, XXXX violated 15 U.S.Code 1681b ( a ) ( 2 ), which constitutes aggravated identity theft under 18 U.S.Code 1028A. The accounts listed below must be deleted : XXXX XXXX inquiry 2. XXXX XXXX Inquiry date XX/XX/XXXX. 
3. XXXX XXXX Inquiry date XX/XX/XXXX. 
4. XXXX Inquiry date XX/XX/XXXX. 
5. XXXX XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry date XX/XX/XXXX. 
7. XXXXXXXX XXXX  XXXX. Inquiry date XX/XX/XXXX. 
8. XXXX XXXX  Inquiry date XX/XX/XXXX. 
9. XXXX Inquiry date XX/XX/XXXX. 
10. EQUIFAX XXXX XXXX Inquiry date XX/XX/XXXX 11. XXXX XXXX Inquiry date XX/XX/XXXX. 
12. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 13. EQUIFAX XXXX XXXX XXXX  inquiry date XX/XX/XXXX 14. XXXXXXXX XXXX inquiry dateXXXX 15. EQUIFAX inquiry dateXX/XX/XXXX 16. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, Inquiry : XXXX XXXX, XXXX 17. XXXX Inquiry : XXXX XXXX, XXXX 18. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX 20. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 21. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX 22. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX 23. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 24. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 25. XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX 26. XXXX Inquiry : XXXX. XXXX, XXXX, XXXX. XXXX, XXXX 27. XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX 28. XXXX XXXX Inquiry : XX/XX/XXXX 29. XXXX Inquiry : XX/XX/XXXX 30. XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX {$32000.00} 31. XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX {$570.00} 32. XXXX XXXX  account # XXXX opened XXXX/XXXX/XXXX {$750.00} 33. XXXX XXXX XXXX  account # XXXX opened XXXX XXXX {$21000.00} Please Block this information from any credit report, pursuant to section 605 ( B ) of the FAIR CREDIT REPORTING ACT, and send the required notice to all businesses that supplied this information.

The FAIR CREDIT REPORTING ACT requires you to block the fraudulent information on my credit report resulting from identity theft within 4 ( four ) Business days and to also promptly notify the businesses that sent you the information.

CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220, XX/XX/XXXX, Filed ( D.C. No. 95-cv-01743 ).

Company response to consumer: Closed with explanation