Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am exercising my rights under the FCRA, as a federally protected consumer, against Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX. 

Upon reviewing my credit report, I noticed the following inquiries : on XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX from XXXX XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX from EQUIFAX XXXX XXXX XXXX ) an ID Report XX/XX/XXXX from XXXX XXXX, XXXX a XXXX to Consumer Report XX/XX/XXXX from XXXX XXXX, XXXX a Promotional Inquiry XX/XX/XXXX from XXXX XXXX, XXXX a Promotional Inquiry XX/XX/XXXX from XXXX, XXXXXXXX XXXX XXXXXXXX a XXXX XXXX XX/XX/XXXX from XXXX XXXX, XXXX a Promotional Inquiry XX/XX/XXXX from XXXX XXXX, XXXX a Promotional Inquiry XX/XX/XXXX from XXXX XXXX, XXXX a Promotional Inquiry XX/XX/XXXX from XXXX XXXX, XXXX a Promotional Inquiry XX/XX/XXXX from XXXX XXXX XXXX Credit Report XX/XX/XXXX from XXXX XXXX, XXXX a Promotional Inquiry XX/XX/XXXX from XXXX XXXX, XXXX a Promotional Inquiry XX/XX/XXXX from XXXX XXXX, XXXX a Promotional Inquiry XX/XX/XXXX from EQUIFAX a XXXX to Consumer Report XX/XX/XXXX from XXXX XXXX, XXXX a Promotional Inquiry XX/XX/XXXX from XXXX XXXX, XXXX a Promotional Inquiry XX/XX/XXXX from XXXX XXXX, XXXX a Direct to Consumer Report XX/XX/XXXX from XXXX XXXX, XXXX a Promotional Inquiry XX/XX/XXXX from XXXX, XXXX an All other Prequalifications not listed XX/XX/XXXX from XXXX, XXXX an All other Prequalifications not listed XX/XX/XXXX from XXXX XXXX, XXXX a XXXX Inquiry XX/XX/XXXX from XXXX XXXX, XXXX a XXXX Inquiry XX/XX/XXXX from XXXX XXXX, XXXX a XXXX Inquiry XX/XX/XXXX from XXXX XXXX, XXXX a XXXX to Consumer Report XX/XX/XXXX from XXXX XXXX, XXXX a Credit Report XX/XX/XXXX from XXXX XXXX, XXXX a Direct to Consumer Report XX/XX/XXXX from XXXX, XXXX a Credit Report I do not recognize or authorize these inquiries, nor did I provide consent for the investigation of my credit.I believe these inquiries are a violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681b and 15 USC 1681i , as these inquiries were made without my consent or authorization. According to these laws, any entity making an inquiry on my credit report must have a permissible purpose, and I have not provided consent for these inquiries. Under 16 CFR 433.2 and 16 CFR 433.3, I am entitled to request that these inquiries be removed if it is found to be unauthorized. I am also exercising my rights under the FCRA, as a federally protected consumer I am now opting out of any and all authorizations. I am now opting out of any and all authorizations I, the consumer may have given you written, unwritten, verbal and nonverbal per 16 CFR 313, 15 USC 6802 and 15 USC 6805, which protect my privacy by limiting the circumstances under which my personal financial information may be accessed. While being reinforced by the Privacy Act of 1974. I am writing to dispute a negative or unauthorized credit inquiry that has appeared on my credit report.

Under the FCRA provides. 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; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ). I have not initiated any transaction with any of these companies that i have listed. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with none of the companies listed above for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). For the sake of judicial economy. I am willing to settle this matter without any admitted liability. I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer agencies and ( 2 ) pay me {$1000.00} per inquiry. Deliver it to my address above within 14 days of receiving this demand.

Please be advised that I am prepared to litigate this matter if you do not comply with these demands. Upon timely receipt of my {$33000.00} payment. This letter shall be a general release of all claims herein.

Company response to consumer: Closed with explanation