Consumer complaint received 2024-09-26 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: MD

Complaint narrative:
To Whom It May Concern, Upon reviewing my consumer credit report, it is evident that your agency has committed multiple violations of the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681s-2 and 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Your agency has furnished reports in connection with credit or insurance transactions that were not initiated by me. The law is clear : the consumer must authorize the report, or the transaction must consist of a firm offer of credit or insurance. Additionally, a consumer reporting agency is prohibited from furnishing a record of inquiries for transactions not initiated by the consumer. According to 15 U.S.C. 1681n ( b ) ( 2 ), any entity that obtains a consumer report under pretenses or without a permissible purpose is liable for actual damages or {$1000.00}, whichever is greater, along with any punitive damages deemed appropriate by the court. I did not initiate these inquiries, and if you assert otherwise, you must provide copies of my written consent. The following items must be removed from my credit report immediately to comply with 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) XXXX XXXX XXXX XXXX  I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXX XXXX did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX FXXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.

Company response to consumer: Closed with explanation