Consumer complaint received 2024-03-01 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: MN

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681a ( 2 ) ( 3 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In generalAconsumer reporting agencymay furnish aconsumer reportrelating to anyconsumerpursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with anycreditor insurance transaction that is not initiated by theconsumeronly if ( A ) theconsumerauthorizes the agency to provide such report to such personor ( B ) ( i ) the transaction consists of afirm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by a consumer. 
( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( XXXX ) In accordance with the written instructions of theconsumerto whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

For the purposes of 15 USC 1681b et seq., this Notice has the same effect as a dispute to the validity of the erroneous reports and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

Under FCRA15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires. Furthermore, present your proof and send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 U.S. Code 1681a ( 2 ) ( 3 ) ( a ) ( i ( 2 ) and 15 U.S Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

15 U.S.C. 1681i and 1681j : These provisions mandate that credit reporting agencies implement stringent procedures to ensure the maximum accuracy of consumer information.

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, Better Business Bureau, andFederal Trade Commission ). 
Sincerely, XXXX XXXX XXXXXXXX Natural Person, In XXXX XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation