Consumer complaint received 2024-09-09 00:00:00
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.
State: MN

Complaint narrative:
To Whom It May Concern, This letter serves as an immediate and formal demand for action regarding your blatant violations of federal law concerning the inaccuracies on my consumer credit report, which I lawfully obtained under the protections afforded to me by the Fair Credit Reporting Act ( FCRA ). The law is crystal clear : all information reported must be 100 % accurate, 100 % verifiable, 100 % complete, and reported only within the permissible reporting periods. Any deviation from these standards is a direct violation, and I will not tolerate it. You are hereby ordered to provide unequivocal proof that the information contained in the reported tradeline is 100 % accurate, complete, verifiable, and timely. This is not a requestthis is a legal demand, and failure to comply will have severe consequences. 

XXXX XXXX  - XXXX Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX - XXXX Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX - XXXX Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

Listed below are the Inquiries that are being challenged : XXXX XXXX  - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX  - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX  XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX  XXXX XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX  XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX  XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX  XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX  XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX  XXXXXXXX XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX  - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX  XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXXXXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX XXXXXXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY TD XXXX XXXX  - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX  XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX  - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX  - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX  XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY

Company response to consumer: Closed with explanation