Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I DEMAND IMMEDIATE ACTION regarding the fraudulent accounts and unauthorized inquiries reported on my consumer credit report. These entries are the direct result of a data breach and/or fraud, violating my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B and Section 604.

Let me be crystal clear : I NEVER authorized these actions. Your continued reporting of this information is a blatant violation of my consumer rights. I have found that these companies initiated these actions without any valid proof or my authorization. This is unacceptable and illegal. 

You are LEGALLY OBLIGATED to investigate and delete or block these fraudulent entries within 4 business days of receiving this letter, as per 605B ( a ) of the FCRA. Failure to do so will result in immediate legal action. 

The following fraudulent accounts and inquiries MUST BE DELETED IMMEDIATELY : Additionally, REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES AT ONCE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following auto-related inquiries and entries were NOT initiated or approved by me. DELETE these immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have sworn by affidavit that this is a clear case of fraud and unauthorized access to my consumer information. Your failure to act swiftly and decisively will force me to pursue aggressive legal action against TransUnion. 

Be advised : If you fail to verify and remove these items as required by the FCRA, I WILL SUE TransUnion for actual damages and declaratory relief under FCRA 616. I am fully prepared to take this matter to any qualified state or federal court, including small claims court in my jurisdiction.

You have 30 days to verify the validity of these items. If you can not do soand I assure you, you cannotyou are LEGALLY OBLIGATED to remove them immediately. There will be no exceptions or extensions. 

I expect full compliance with this demand and a swift resolution to this egregious violation of my rights. Any failure to adhere to these legally mandated actions will be met with the full force of the law.

Company response to consumer: Closed with non-monetary relief