Consumer complaint received 2024-06-01
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. (TX)

Equifax is in violation of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my report without my written authorization and permissible purpose under FCRA guidelines and are not in METRO 2 COMPLIANCE 15USC1681b ( a ) ( 3 ) ( f ) ( i ) clearly states - A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2 ) The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer.

According to the law referenced, EQUIFAX must remove the following unauthorized inquires that were pulled from my report without my written authorization and permissible purpose Immediately : Person : XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX  Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX  Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX XXXX  XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Person : XXXX XXXX XXXX XXXX  Date Of Inquiry : XX/XX/XXXX According to 15USC1681 ( e ) it is your obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report by making each person or furnisher of data provide an original signed contract with written authorization I gave them to obtain my report.

THIS UNAUTHORIZED DATA IS A DIRECT RESULT OF IDENTITY THEFT PURSUANT TO 18USC1028 ( A ).

According to 15 USC 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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.

Did I give you written instructions or permissible purpose to furnish this data on my consumer report?

If so, provide the original consumer agreement with my signature that gave you written authorization.

Please update my personal information on my Equifax Consumer Report to the following immediately : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Employment : CEO of XXXX XXXX XXXX Please REMOVE THE FOLLOWING PERSONAL DATA FROM MY CREDIT PROFILE : FORMER NAME : XXXX EMPLOYMENT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX