Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

To Whom it May Concern, I checked my personal credit report, which I got from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> THIS IS A VIOLATION OF 15 U.S. Code 1681b Permissible purposes 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 instruction of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer, or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer, or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentally required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards ALSO, I contacted who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in revolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry.

If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries from my consumer report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries references above to be valid. This is a violation of 18 U.S. Code 1028A - Aggravated identity theft & 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information. I didn't give anybody permission to access my consumer profile and I demand for these unauthorized inquiries to be removed from my consumer report immediately. Also, these unauthorized hard inquires are greatly affecting my consumer profile, which is affecting any possibilities of my approval rates.

A FEDERAL TRADE COMMISSION ( FTC ) REPORT HAS BEEN SUBMITTED. I HAVE ALOT ATTACHED A COPY TO THIS CFPB COMPLAINT.

I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your help and assistance.