Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: GA
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:
hello, in accordance with the Fair Credit Reporting act XXXX Account # Reference Number. 15 U.S.C 1681 section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 and Section 609-611. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Thank you for your urgent review regarding my concerns and also helping, me remove and or delete the improper and abuse to my credit from improper reporting from my file! 

ACCOUNT # XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX XXXX on my XXXX is improperly reported incorrectly Bankruptcy Responsibility/Individual Asset Amount XXXX PLEASE DELETE DEPT OF EDUCATIONXXXX SEVERAL ACCOUNTS UNDER MY CREDIT REPORTED INACCURATELY DID NOT GIVE CREDITOR PERMISSION TO REPORT ON MY BEHALF PLEASE DELETE ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXXXXXX I DID NOT GIVE THIS THIRD PARTY TO IMPROPERLY REPORT ON MY CREDIT ON MY BEHALF SECTION XXXX NO CREDITOR COULD REPIRT FROM A THIRD PARTY WITHOUT MY CONSENT PLEASE DELETE Hard Inquires THAT WAS REPORTED NOT ON MY BEHALF DURING MY IDENITY THEFT TRAIL PLEASE DELETE HARD INQUIRES LISTED BELOW. 
XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX EQUIFAX MORTGAGE SERVICE ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Bank XXXX XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX FXXXX XXXX  ( Miscellaneous ) XX/XX/XXXX *XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXO XXXX XXXX XXXX XXXX TX XXXX PLEASE DELETE ACCOUNTS : NOT MINE XXXX XXXX XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan *Account numbeXXXX Account status Closed Date opened XX/XX/XXXX Account type Lease XXXX reported : PLEASE DELETE INACCURATE PERSONAL INFORMATION OFF MY CREDIT : XXXX XXXX, XXXX XXXX XXXX, PLEASE REMOVE AND DELETE DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NOT MY ADDRESS PLEASE DELETE * YEAR OF BIRTH PLEASE DELETE XXXX REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX LATE PAYMENTS REPORTED FOR XX/XX/XXXX, XX/XX/XXXX XXXX REPORTED INCORRECTLY WAS UNDER A HARDSHIP AS A COURTESY AS AGREED CREDITOR STATED THEY WILL BRING ACCOUNT CURRENT, DUE TO ME HAVING COVID, AND UNDER THE JURDICTION NO LATE PAYMENTS CAN BE REPORTED IF UNDER A HARDSHIP OR HOSPITILIZED FOR COVID. I HAVE LETTERS THAT IVE CALLED THIS CREDITOR EXPLAINING SITUATION AND PLACED ON A HARDSHIP, INACCURATELY REPORTED THAT I WAS LATE WHEN I WAS UNDER A HARDSHIP AND I WAS NOT WORKING BUT COMMUNICATED WITH CREDITOR AND THEY AGREED TO BRING ACCOUNT BACK CURRENT DUE TO MY STATUS AND UNDER STAUTUE OF LIMITATTIONS REPORTING INACCURACY INFORMATION AND INFORMATION WHILE IN HARDSHIP IS INACCURATELY REPORTING PLEASE UPDATE ACCOUNT!

Company response to consumer: Closed with explanation