Consumer complaint received 2024-12-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer Financial Protection Bureau ( CFPB ) Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Re : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT INQUIRIES & EXPOSURE OF EQUITABLE AND LEGAL VIOLATIONS Notice of Violation of FCRA, Privacy Rights, and Potential RICO Violations To Whom It May Concern, This is a formal demand for the immediate removal of all unauthorized and fraudulent inquiries from my consumer report, as previously substantiated by proper documentation, including an FTC Identity Theft Report and proof of identification. 
Despite your removal of similar inquiries on XX/XX/XXXX, Equifax now refuses to remove the remaining inquiries, even though they are identical in nature and fully supported by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This deliberate refusal constitutes willful noncompliance and suggests fraudulent intent. 
Severe Violations and Legal Consequences 1. Violation of FCRA 605-C2 : By refusing to remove inquiries after receiving proper identification and an FTC report , Equifax is in direct violation of its obligations under FCRA 605-C2, which mandates the blocking of fraudulent information upon sufficient notice. 
2. Privacy and Constitutional Violations : The requirement for additional sensitive information, including my Social Security number, represents an unlawful intrusion on my privacy. This is excruciating and unnecessary given the documentation already provided and exposes Equifax to penalties under 42 U.S.C. 1983 for deprivation of rights under color of law. 
3. Potential RICO Violations : Equifaxs actionsremoving some inquiries while arbitrarily refusing othersreveal a pattern of fraudulent activity for financial gain. Under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), such intentional manipulation and misrepresentation of consumer data constitute racketeering Here is a list of all the inquiry dates with the first two letters removed : 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 XXXX. Frivolous Conduct Regarding My Consumer Report : Equifaxs recent assertion that they can not locate my consumer report is blatantly false, given their prior actions to remove items from the same file. This raises serious questions about the accuracy, maintenance, and accounting of my report under Equifaxs purview. Such conduct justifies an IRS audit of your entire operation regarding my consumer file. As you are compensated for reporting consumer data, the inconsistencies and misrepresentations herein demand full transparency and investigation into your accounting practices. 
My Formal Demands 1. Immediate Removal of the following unauthorized hard inquiries ( list inquiries here ). 
2. A full investigation into Equifaxs back office team for mishandling my consumer report and committing acts of fraud. 
3. Assurance that my privacy will not be further compromised, including refraining from unnecessary requests for sensitive information. 
4. Written confirmation of compliance with FCRA 605-C2 and an explanation of the irregularities in your handling of my consumer report. 
Supporting Documentation FTC Identity Theft Report Valid proof of identification Prior Equifax correspondence confirming removal of similar inquiries Your continued negligence and inconsistent actions have caused irreparable harm to my creditworthiness and future financial opportunities. Failure to resolve this matter immediately will leave me no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Pursue litigation for damages, including statutory penalties under the FCRA and RICO Act, Request an IRS audit of Equifaxs handling and accounting of my consumer report data. 
This is a final notice. I trust Equifax will act lawfully, equitably, and expeditiously to correct these egregious violations.

Company response to consumer: Closed with non-monetary relief