Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This letter is a formal complaint that Equifax have ignored my previous request and after reviewing my credit report again I found more inquiries I have never authorize or extended credit with. NEW AND PREVIOUS CEASE AND DESIST LETTER ( ATTACHED ) Equifax has failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Equifax are in default of my Cease and Desist and affidavit of truth certified letters USPS package # XXXX received by Equifax Mon, XX/XX/XXXX, XXXX XXXX  Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports.

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave Equifax any written consent to report any unauthorized inquiries on my consumer report, No consent is Identity Theft. 

Pursuant 15 U.S Code 1681n Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency. under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency. for actual damages sustained by the consumer reporting agency. or {$1000.00}, whichever is greater.

Under 15 U.S Code 1681 Congressional Findings and statement of purpose ( a ) Accuracy and Fairness of Credit Reporting ( b ) Reasonable Procedures EQUIFAX is in violation in 18 USC 1028A Aggravated identity theft. ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any ( felony violation enumerated in subsection ) -- means any offense that is a felony violation of 18 USC 1028A ( c ) ( 4 ) ( FALSE STATEMENTS ), knowingly transfers ( DOCUMENT ), possesses, or uses, WITHOUT LAWFUL AUTHORITY, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. No consent is Identity Theft. 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. ( a ) Whoever, in a circumstance described in subsection ( c ) ( 7 ) knowingly -transfers MEANS DOCUMENT ), possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX immediately delete from my credit report 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX immediately delete from my credit report 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX immediately delete from my credit report 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 6.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX-XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation