Consumer complaint received 2024-12-31 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:
dispute unauthorized inquiries on your credit report. 
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit le that you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the FCRA section 611. My contact information is as follow : XXXX XXXX XXXX XXXX Whom It May Concern 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 ONCE, should you continue in your non-compliance. XXXX, 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 for, I received notice of adverse action against me based on data in my consumer le. The notice was received from [ company name and address that sent the adverse action notice ]. See 15 U.S.C. 1681g ( a ) ( 1 ). To be clear, I am requesting a copy of my le as specically dened in 15 U.S.C. 1681a ( g ). To avoid all confusion, be advised that The term le, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. 15 U.S.C. 1681a ( g ). I also request the sources of the information that is contained in my le. 15 U.S.C. 1681g ( a ) ( 2 ). Third, I request the identication of each person that procured a consumer report for any purpose, during the 1-year period preceding the date on which this request is made. 15 U.S.C. 1681g ( a ) ( 3 ). Namely, I request the name of the person or, if applicable, under which such person conducts business and the address and telephone number of the person. Fourth, I request a record of all inquiries received by you during the 1-year period preceding this request that identied me in connection with a credit or insurance transaction that was not initiated by me. Enclosed nd a copy of my [ state ] Drivers License as my proper identication for my request. File disclosure by 86 electronic means is permissible at my request under 15 U.S.C. 1681h ( b ) ( 2 ) ( C ). The disclosure shall be free due to my request being within 60 days of an adverse action notice. Sincerely, Your signature XXXX XXXX

Company response to consumer: Closed with explanation