Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
LETTER # 1 To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by your Credit company With Unauthorized inquiry to my consumer report ; demand for {$1000.00} I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this nal goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of ling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals Office, should you continue in your non-compliance. I further remind you that, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certied letter may result in a small claims action against your company, seeking {$1000.00} per violation 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN XXXX XXXX Address XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau LETTER # 2 Your credit company that obtained my credit report ] Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To from this company that obtained my credit report ] : You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my consumer report on [ XX/XX/XXXX ] without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specically 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 certied in accordance with section 1681e of this title by a prospective user of the report through a general or specic certication. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ). I have not initiated any transaction with this company that obtained my credit report ]. Further, I do note have an account as dened under 15 U.S.C. 1693a ( 2 ) with your company that obtained your credit report ] 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 ned under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees. 15 U.S.C. 1681n ( a ). For the sake of judicial economy, I am willing to settle this matter without any admitted liability. I over full and nal settlement of this issue if you comply with the following demands you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and 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 this demand. Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein. : Consumer Financial Protection Bureau via fax XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation