Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Furthermore, I demand that you demonstrate your lawful authority to conduct business with me or any other contesting consumer. You do not have the right to act negligently, as you are holding me at risk of financial and creditworthiness harm. Therefore, I demand that if you are unwilling or unable to comply with my request within 20 days of receiving this notice of consumer complaint, you must immediately cease all derogatory or harmful actions toward me, including reporting or collecting any unverified, untrue, invalid, or non-compliant claims or debts. 

I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any potentially fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items. 

I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/XXXX " I did not authorize this inquiry, and under 15 U.S. Code 1681b, you must have permissible purpose to access my credit report. You failed to provide valid, signed authorization, making this an illegal inquiry. Additionally, as a victim of a data breach, my personal information has been compromised, further proving that this inquiry is fraudulent. If you can not produce legally verifiable proof of authorization, DELETE IT IMMEDIATELY or face regulatory action. '' The inquiry summary regarding XXXX XXXX XX/XX/XXXX appears to be unconfirmed and may not meet the necessary lawful Permissible Purpose requirements under Metro 2 reporting standards. Therefore, please remove it from the report immediately. 
" I did not authorize this inquiry, and under 15 U.S. Code 1681b, you must have permissible purpose to access my credit report. You failed to provide valid, signed authorization, making this an illegal inquiry. Additionally, as a victim of a data breach, my personal information has been compromised, further proving that this inquiry is fraudulent. If you can not produce legally verifiable proof of authorization, DELETE IT IMMEDIATELY or face regulatory action. '' XXXX XXXX XX/XX/XXXX " I did not authorize this inquiry, and under 15 U.S. Code 1681b, you must have permissible purpose to access my credit report. You failed to provide valid, signed authorization, making this an illegal inquiry. Additionally, as a victim of a data breach, my personal information has been compromised, further proving that this inquiry is fraudulent. If you can not produce legally verifiable proof of authorization, DELETE IT IMMEDIATELY or face regulatory action. 'XXXX XXXX XXXX XXXXXX/XX/XXXX RE : You Violated the United States Code Law 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 the consumer. 

Equifax : 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 1681s2 and 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 a consumer ( Inquiries ).

( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater, and ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries. Furthermore, if you feel like I did, please 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 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry, and under 15 U.S. Code 1681b, you must have permissible purpose to access my credit report. You failed to provide valid, signed authorization, making this an illegal inquiry. Additionally, as a victim of a data breach, my personal information has been compromised, further proving that this inquiry is fraudulent. If you can not produce legally verifiable proof of authorization, DELETE IT IMMEDIATELY or face regulatory action. '' Under 15 U.S. Code 1681n ( b ), civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the complaint portal for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

If you have any questions or need additional information, please contact me at the address listed above. 

XXXX XXXX XX/XX/XXXX " I did not authorize this inquiry, and under 15 U.S. Code 1681b, you must have permissible purpose to access my credit report. You failed to provide valid, signed authorization, making this an illegal inquiry. Additionally, as a victim of a data breach, my personal information has been compromised, further proving that this inquiry is fraudulent. If you can not produce legally verifiable proof of authorization, DELETE IT IMMEDIATELY or face regulatory action. ''

Company response to consumer: Closed with non-monetary relief