Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
XXXXUpon reviewing my consumer credit report, it is evident that your agency has committed multiple violations of the Fair Credit Reporting Act, specifically under 15 U.S.C.  1681s-2 and 15 U.S. Code  1681(c)(1)(A)(B)(i)(3).\n\nYour agency has furnished reports in connection with credit or insurance transactions that were not initiated by me. The law is clear: the consumer must authorize the report, or the transaction must consist of a firm offer of credit or insurance. Additionally, a consumer reporting agency is prohibited from furnishing a record of inquiries for transactions not initiated by the consumer.\n\nAccording to 15 U.S.C.  1681n(b)(2), any entity that obtains a consumer report under false pretenses or without a permissible purpose is liable for actual damages or $XXXX, whichever is greater, along with any punitive damages deemed appropriate by the court. I did not initiate these inquiries, and if you assert otherwise, you must provide copies of my written consent.\n\nThe following items must be removed from my credit report immediately to comply with 15 U.S. Code  1681(c)(1)(A)(B)(i)(3):\n\nAN XXXX XXXX   Unauthorized Inquiry\nThis unauthorized inquiry violates 15 U.S. Code  1681b. You had no permissible purpose to access my creditno application, no transaction, no written consent. You broke the law. Produce a signed contract proving my consent or DELETE this inquiry immediately. No proof? No right to report. This is willful noncompliance under FCRA  616 and  617, and you will be held liable. Im prepared to escalate with the CFPB and pursue damages in court. Youve had your chanceDELETE it now.\nXXXX XXXX  Unauthorized Inquiry\nThis unauthorized inquiry violates 15 U.S. Code  1681b. You had no permissible purpose to access my creditno application, no transaction, no written consent. You broke the law. Produce a signed contract proving my consent or DELETE this inquiry immediately. No proof? No right to report. This is willful noncompliance under FCRA  616 and  617, and you will be held liable. Im prepared to escalate with the CFPB and pursue damages in court. Youve had your chanceDELETE it now.\XXXX XXXX  Unauthorized Inquiry\nThis unauthorized inquiry violates 15 U.S. Code  1681b. You had no permissible purpose to access my creditno application, no transaction, no written consent. You broke the law. Produce a signed contract proving my consent or DELETE this inquiry immediately. No proof? No right to report. This is willful noncompliance under FCRA  616 and  617, and you will be held liable. Im prepared to escalate with the CFPB and pursue damages in court. Youve had your chanceDELETE it now.\XXXX XXXX XXXX   Unauthorized Inquiry\nThis unauthorized inquiry violates 15 U.S. Code  1681b. You had no permissible purpose to access my creditno application, no transaction, no written consent. You broke the law. Produce a signed contract proving my consent or DELETE this inquiry immediately. No proof? No right to report. This is willful noncompliance under FCRA  616 and  617, and you will be held liable. Im prepared to escalate with the CFPB and pursue damages in court. Youve had your chanceDELETE it now.XXXX XXXX   Unauthorized Inquiry\nThis unauthorized inquiry violates 15 U.S. Code  1681b. You had no permissible purpose to access my creditno application, no transaction, no written consent. You broke the law. Produce a signed contract proving my consent or DELETE this inquiry immediately. No proof? No right to report. This is willful noncompliance under FCRA  616 and  617, and you will be held liable. Im prepared to escalate with the CFPB and pursue damages in court. Youve had your chanceDELETE it now.XXXX XXXX  Unauthorized Inquiry\nThis unauthorized inquiry violates 15 U.S. Code  1681b. You had no permissible purpose to access my creditno application, no transaction, no written consent. You broke the law. Produce a signed contract proving my consent or DELETE this inquiry immediately. No proof? No right to report. This is willful noncompliance under FCRA  616 and  617, and you will be held liable. Im prepared to escalate with the CFPB and pursue damages in court. Youve had your chanceDELETE it now.\XXXX XXXX   Unauthorized Inquiry\nThis unauthorized inquiry violates 15 U.S. Code  1681b. You had no permissible purpose to access my creditno application, no transaction, no written consent. You broke the law. Produce a signed contract proving my consent or DELETE this inquiry immediately. No proof? No right to report. This is willful noncompliance under FCRA  616 and  617, and you will be held liable. Im prepared to escalate with the CFPB and pursue damages in court. Youve had your chanceDELETE it now.XXXX XXXX  Unauthorized Inquiry\nThis unauthorized inquiry violates 15 U.S. Code  1681b. You had no permissible purpose to access my creditno application, no transaction, no written consent. You broke the law. Produce a signed contract proving my consent or DELETE this inquiry immediately. No proof? No right to report. This is willful noncompliance under FCRA  616 and  617, and you will be held liable. Im prepared to escalate with the CFPB and pursue damages in court. Youve had your chanceDELETE it now.XXXX XXXX  Unauthorized Inquiry\nThis unauthorized inquiry violates 15 U.S. Code  1681b. You had no permissible purpose to access my creditno application, no transaction, no written consent. You broke the law. Produce a signed contract proving my consent or DELETE this inquiry immediately. No proof? No right to report. This is willful noncompliance under FCRA  616 and  617, and you will be held liable. Im prepared to escalate with the CFPB and pursue damages in court. Youve had your chanceDELETE it nowXXXX XXXX  Unauthorized Inquiry\nThis unauthorized inquiry violates 15 U.S. Code  1681b. You had no permissible purpose to access my creditno application, no transaction, no written consent. You broke the law. Produce a signed contract proving my consent or DELETE this inquiry immediately. No proof? No right to report. This is willful noncompliance under FCRA  616 and  617, and you will be held liable. Im prepared to escalate with the CFPB and pursue damages in court. Youve had your chanceDELETE it nowXXXX XXXX  Unauthorized Inquiry\nThis unauthorized inquiry violates 15 U.S. Code  1681b. You had no permissible purpose to access my creditno application, no transaction, no written consent. You broke the law. Produce a signed contract proving my consent or DELETE this inquiry immediately. No proof? No right to report. This is willful noncompliance under FCRA  616 and  617, and you will be held liable. Im prepared to escalate with the CFPB and pursue damages in court. Youve had your chanceDELETE it now.XXXX XXXX  Inaccurate Reporting\nThis account was already deleted by other bureaus due to inaccuracy and unverifiability, yet you continue reporting false delinquency despite it being paid as agreed. This violates 15 U.S. Code  1681s-2 (furnishing inaccurate information) and 15 U.S. Code  1666b (billing errors). You are knowingly reporting false data, which is a clear violation of the FCRA. Either correct this account to reflect "paid as agreed" or delete it immediately. This is my final demand before pursuing legal action.'

Company response to consumer: Closed with explanation