Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  Auto Financing Companies XX/XX/XXXX ; XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX  XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Auto Financing Companies XX/XX/XXXX ; XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX  XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX ; XXXX XXXX Auto Financing Companies XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX ; XXXX XXXX XXXX Auto XXXX XX/XX/XXXX ; XXXX XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX  XXXX  Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX XXXX  All Banks XX/XX/XXXX ; XXXX  XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX, personal XX/XX/XXXX XXXX XXXX  Personal Loan Companies XX/XX/XXXX ; XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  Auto Financing XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XXXX  XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX, personal XX/XX/XXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  Personal Loan Companies XX/XX/XXXX ; XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Purchase Finance XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Automobile Dealers, New XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX ; XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX ; XXXX  XXXX  Auto Financing Companies XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  Banks - non specific XX/XX/XXXX ; XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXXXXXX XXXX XXXX Automobile Dealers, Used XX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX ; XXXX  XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX, personal XX/XX/XXXX ; XXXX XXXX Auto Financing Companies XX/XX/XXXX ; XXXX XXXX XXXX All Banks XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX Finance, personal XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Companies XX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX ; XXXX XXXX Auto Financing XX/XX/XXXX ; XXXX XXXXXXXX Auto Financing XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, personal XX/XX/XXXX ; XXXX XXXX XXXX  Finance, personal XX/XX/XXXX ; XXXX/XXXX  Finance, personal XX/XX/XXXX ; XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation