Consumer complaint received 2024-01-13 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: NY

Complaint narrative:
I'm annoyed that EQUIFAX have fused the information underneath in my credit profile and that they have fail to keep up reasonable techniques in their exercises to ensure most limit possible precision in the credit reports you disseminate. Credit declaring laws ensure that offices report simply 100 % careful credit information. Every movement ought to be taken to ensure the information point by point is exact and right. The going with information in this manner ought to be re-explored. 
15 U.S. Code 1681b - Permissible purposes of consumer reports.Pursuant to 15 usc 1611 { Equifax } is criminally liable.

( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) 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.I, XXXX XXXX, never gave a written consent to report anything on my consumer report, No consent is IDENTITY THEFT. A copy of the law is attached with this dispute letter. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term Credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ).

An alleged debt being furnished on your " credit '' report IS a violation of 15 usc 1692b. ( 2 ) it is also advertising to coerce payment. Which is illegal. 
I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter XXXXConcerning the accounts listed below as a consumer i'm demanding a deletion of these accounts. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX. Did not consent to unauthorized inquiry EQUIFAX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX.Did not consent to unauthorized inquiry EQUIFAX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

16.Did not consent to unauthorized inquiry EQUIFAX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX.Did not consent to unauthorized inquiry EQUIFAX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX.Did not consent to unauthorized inquiry XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry EQUIFAX XXXX XXXX UP Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry EQUIFAX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry EQUIFAX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. 
XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry EQUIFAX XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX not consent to unauthorized inquiry EQUIFAX Date of Inquiry XXXX XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry EQUIFAX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry EQUIFAX UPDATE Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX 64.Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXX not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX  Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX Date of Inquiry : XX/XX/XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XXXX XXXX XXXX Please Remove It From My Credit Report. 

XXXXDid not consent to unauthorized inquiry XXXX XXXX XXXX XXXX  XXXX Date of Inquiry : XXXX XXXX XXXX  Please Remove It From My Credit Report. 

This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, andFederal Trade Commission. 
Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the descriptionof the procedure used to determine the accuracy and completeness of theinformation is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with explanation