Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
This report is regarding inaccuracy, on Equifax credit reporting, and the unauthorized access by XXXX XXXX  XXXX XXXX XXXX to my report on XX/XX/XXXX after XXXX XXXX. Equifax falsely declares about contacting the institution, which is false because now it is a weekend, and no single representative is present, after I tried several times to call them, therefore Equifax lies about verifying if the access was authorized. 

Specifically related to credit inquiry that I did not authorize, made by the following company, Equifax never provided copies of any documentation bearing my signature, and whom were not able to verify the inquiry to the CFPB and you are representing false statements which is very serious. Or an electronic print from any kind of email by XXXX XXXX XXXX XXXX XXXX as a Creditor. 

1 ) On their absurd dispute results you are stating that the access is factual. Of course, it is factual because it occurred, it doesnt mean they are legal, and that they were authorized, and therefore you are confirming that you allow access to my credit report without my authorization.

2 ) Equifax falsely state, that they verified with the institution today Sunday XX/XX/XXXX, while the credit access was Saturday XXXXXX/XX/XXXX, around XXXX. aprox., and there is no one present at the institution during the weekend, Equifax will need to prove this to the FTC and the CFPB with whom I filed a complaint, and to any court under oath, and providing metadata, or electronic prints that will be audited by an expert, lying to authorities to avoid compliance is a serious fault.

3 ) I provided Equifax evidence, of the misleading auto loan offer by this institution, which says clearly that they will pre-approve, and therefore not incur on a hard inquiry, or complete access to my credit file. And I never authorized a hard pull and complete access to my credit, but a soft pull which gives them partial access only.

As you know you Equifax is in violation of Fair Credit Reporting Act section 611, and due to the violation, of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights with the illegal unauthorized access you granted to XXXX XXXXXXXX XXXX XXXX XXXX. 

I did not authorize anyone employed by these companies to make any hard inquiry in such dates, and view my credit report, and you failed to verify it. 

I have been maintaining a careful record, of my communications with Equifax, and it is really amazing that 9 out of 10 times they neglect to comply with the law, and use the absurd statements to the consumer and. the CFPB that the access was factual. The fact of accessing the report, does not make it legal, without the authorization by the consumer.

For the purpose of filing a potentially a lawsuit if needed, all the file has been carefully kept. In addition, a broader complaint with the Consumer Financial Protection Bureau, and the Attorney Generals office, due to your continuous non compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against Equifax and XXXX  XXXX XXXX, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud which has been already reported to the FTC.

3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation