Consumer complaint received 2024-08-26 00:00:00
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.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to express my profound dissatisfaction and extreme concern regarding the blatant violation of my consumer rights. The dissemination of inaccurate information, particularly within the context of my credit profile, is not only unacceptable but also a direct affront to the principles of accuracy and fairness that your company is obligated to uphold. As a consumer, I have the rightful expectation of being treated with fairness, accuracy, and respect for compliance standards. However, your company 's apparent disregard for these obligations has resulted in a significant breach of my trust. The inaccuracies present in the credit report I received are not only shocking but also entirely unacceptable, especially in light of the stringent requirements outlined in the Fair Credit Reporting Act ( FCRA ) and the established XXXX XXXX data field formatting standards. I am demanding a comprehensive and detailed account of the specific shortcomings in your processes that have led to this egregious error. You must provide all available details on how such a failure occurred, including an explanation of the oversight mechanisms that failed to detect and correct these inaccuracies. The presence of negative information on my credit report, regardless of any so-called certification, is intolerable and constitutes a severe violation of my rights. Furthermore, I challenge your company to produce a verified, complete, and truthful document that provides irrefutable evidence for every claim made in the credit report. This document must fully comply with the standards and guidelines outlined in the XXXX XXXX XXXX XXXX XXXX ( XXXX ). Any deviation from these standards not only undermines the integrity of the data but also poses a serious and unacceptable risk to the accuracy of my credit profile. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX - XXXX - The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX - The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX - The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX - XXXX - XXXX Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

The items below should all be removed from my consumer report under XXXX XXXX Code XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). 

XXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX - XX/XX/XXXX - XXXX Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - XXXX Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - XXXX Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - XXXX Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX XXXX XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report! 

XXXX - XX/XX/XXXX - My Identity was stolen, and a data breach has impacted my personal information! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ). The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE this from my report!

Company response to consumer: Closed with non-monetary relief