Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Dear Equifax To whom it may concern Re : Remove all items listed I have reason to believe and do so believe my information was used for Identity Verification and credit risk evaluation, XXXX XXXX on XX/XX/XXXX XXXX and XXXX XXXX  on XX/XX/year> These inquiries were initiated by the ( creditors ) to attempt to protect against identity theft, credit risk or fraud and viewing my credit was not initiated by i the consumer. In addition pursuant to 604 ( c ) ( 3 ) Except as provided in section 609 ( a ) ( 5 ) of the FCRA, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer, the inquires on my consumer file should only be on my consumer file and not consumer report. You have assumed the role in assembling and evaluating my consumer credit and other information on i the consumer pursuant to 602 ( 3 ), pursuant to 616 ( a ) ( 1 ) ( a ) you willfully failed to comply with the requirement set forth under 604 ( c ) ( 3 ) of the FCRA in connection with i the consumer information, You are liable to i consumer in an amount equal to the sum of XXXX for actual damages sustained by the consumer ( XXXX XXXX ) as a result of the failure Because creditors may rely on consumer report to extend consumer credit it is important for the credit reporting agency follow the requirements set forth under the FCRA to insure the consumer equitable rights, confidentiality you sharing information that is not lawful or legal and required to share can have a negative impact on my credit extension options and the amount of inquiries play a role in my credit score and determination of creditors on amount of credit i may eligible for Equifax ** sharing my information that your not allowed to share to anyone but me the consumer is causing damages to my financial ability to conduct positive relationships with the banking system, As stated, The banking system is dependent upon fair and accurate credit Reporting pursuant to 602 ( 1 ). Sharing my inquiries for a consumer report is inaccurate display of a consumer report, credit reporting and unfair credit reporting, which is being possessed by each creditor/person who pulls my credit report I have reason to believe and do so believe creditors don't know what a valid a consumer report looks like and is and they rely on the consumer reporting agencies provide information whether valid or not and they go based the information given to evaluate the amount of credit a consumer can obtain, because you have listed inquiries on my consumer report and did not keep them maintained on in my consumer file only, which is supposed to be delivered upon request on pursuant to 609 ( a ) ( 5 ) of the FCRA, I am aware based of the FCRA pursuant to 604 ( c ) ( 1 ) a consumer reporting agency is allowed to furnish a report on behalf of a consumer for a transaction that was not initiated by the consumer pursuant to 604 ( a ) ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; In doing so youre responsible for the information that each person receives congress has given you requirements pursuant to the FCRA I have reason to believe and do so believe you have failed the requirements of the FCRA pursuant to 604 ( c ) ( 2 ) ( C ) you are sharing information pertaining to i the consumer that identify the relationship or experience of I the consumer with respect to a particular creditors and other entity. See exhibit ( A ) I was denied an extension of credit due to ( XXXX XXXX XXXX  ) see exhibit ( A ) creditor seeing information pertaining to a relationship and experiences as they stated in exhibit Previous delinquency, Previous delinquency is an experience of a consumer with a particular creditor or entity pursuant to 616 ( a ) ( 1 ) ( a ) you willfully failed to comply with the requirement set forth under 604 ( c ) ( 2 ) ( C ) of the FCRA in connection with i the consumer information XXXX separate times, You are liable to i consumer in an amount equal to the sum of XXXX per for actual damages sustained by the consumer ( XXXX XXXX ) as a result of the failure 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 All show account with delinquency and i demand all account history be removed from my consumer report which is being shown to each creditor or debt collector who pulls my credit report which is putting me at a disadvantage and risking my opportunity to obtain credit In addition, the listed following accounts are being reported on my consumer reports i have reason to believe and do so believe you have no permissible purpose pursuant 604 of the FCRA to furnish a report on behalf of each of the following accounts as i have not given you no written consent to furnish my information Equifax * you are in violation of the requirements set forth pursuant to the FCRA 604, pursuant to 616 ( a ) ( 1 ) ( a ) you willfully failed to comply with the requirement set forth under 604 of the FCRA in connection with i the consumer information on different XXXX counts, You are liable to i consumer in an amount equal to the sum of {$720.00} per for actual damages sustained by the consumer ( XXXX XXXX ) as a result of the failure, in addition violation of privacy pursuant to 602 ( XXXX ) XXXX XXXX XXXX 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 Pursuant to 602. ( 3 ) have assumed a vital role in assembling and evaluating consumer credit and other information on. Pursuant to 602 ( 4 ) ( b ) it is the requirements set forth of the FCRA to be fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the FCRA, you have no permissible purpose to furnish the above accounts pursuant to 604 ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. consumers, holding you liable pursuant to 617 ( a ) ( 1 ) In general. negligent in failing to comply with any requirement imposed under the FCRA in connection with i the consumer is to be fined {$720.00} per for actual damages sustained by the consumer as a result of the failure ; I am aware of Pursuant to 618 An action to enforce any liability created under this title may be brought in any appropriate United States Pursuant to 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 
With Explicit Reservation of all Right, Without Prejudice UCC 1-308. 
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