Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : Creditor : XXXX XXXX XXXX XXXX date of inquiry. XX/XX/year> XXXX XXXX XXXX, acce date XXXX XXXX XXXX XXXX. Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX Date. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX y XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Date. XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Bank. Date. XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Date XX/XX/XXXX y XX/XX/XXXX XXXX XXXX XXXX XXXX. Date XX/XX/XXXX y XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXXXX XXXX. Date. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXX I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation