Consumer complaint received 2020-01-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have try to resolve this issues with XXXX, Equifax, and XXXX but no results. 

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX Inquiry - these are unauthorized inquires. 
XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX+ Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX Equifax unauthorized inquires XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, Old Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX AUTO CREDIT Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Sales Financing XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX , XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX - AUTO FINANCE Inquiry : XX/XX/XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX # 07 Inquiry : XX/XX/XXXX + Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX   XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX I Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX. 
( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX unauthorized inquires. 


XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX In additionally all these company has incorrect address listed for me : The addresses are : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX All address above is incorrect. I never lived there.

Company response to consumer: Closed with explanation