Consumer complaint received 2024-03-23 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: MN

Complaint narrative:
My identity has been used without my consent acknowledge nor my permission please delete and remove this fraudulent inquiries and accounts and addresses from my credit report immediately inquire : XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, This inquires are unauthorized these is illegal inquiries, and are reported illegally on my check systems report, XXXX report, Equifax report, and XXXX report. It must be removed ASAP. Incorrect address XXXX XXXX XXXX XXXX XXXX, IL XXXX and Account-XXXX  XXXX Account charged off. {$270.00} written off. {$180.00} past due as of XX/XX/2024. XXXX XXXX BANK Account charged off. {$420.00} written off. {$330.00} past due as of XX/XX/2024. XXXX XXXX XXXX XXXX account. {$870.00} past due as of XX/XX/2024. Account XXXX XXXX XXXX, XXXX XXXX account. {$2900.00} past due as of XXXX XXXX these XXXX accounts have XXXX different last active dates on each of the XXXX credit bureaus which shows inaccurate information reporting on my credit which is a violation under the FCRA 15 U.S.C. 1681e section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates also 15 U.S.C. 1681i section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and XXXX ( close account ) Balance XXXX XXXX these accounts is not mine! Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these inquiries must be deleted immediately And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these accounts, address, and inquiries must be deleted immediately 15 U.S. Code 1679c - 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681 - please remove these unauthorized inquiries by law thank you 15 U.S. Code 1681b - Permissible purposes of consumer reports The statute of limitations for bringing suit to remedy an alleged FACTA violation is XXXX years from discovery of the violation, but not later than XXXX years from the violation. 15 U.S.C. 1681p. The truncation provision, which had a phased-in effective date depending on when registers were manufactured, became fully effective in December 2006, 15 U.S.C. 1681c ( g ) ( 3 ), and was met with an almost overnight onslaught of class action lawsuits

Company response to consumer: Closed with non-monetary relief