Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
XXXX XXXX XXXX [ XX/XX/XXXX ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX XXXX. 
Ive listed all the companies Im not familiar with. : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Type Bank Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute inquiry XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Type Bank Contact Info XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute inquiry XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Type Bank Contact Info XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/XXXX Type Bank Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute inquiry XXXX XXXX Inquiry Date : XX/XX/XXXX Type Credit Union Contact Info po box XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute inquiry XXXX XXXX Inquiry Date : XX/XX/XXXX Type Bank Contact Info XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute inquiry XXXX Inquiry Date : XX/XX/XXXX Type Finance/Personal Contact Info XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute inquiry XXXX Inquiry Date : XX/XX/XXXX Type Finance/Personal Contact Info XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute inquiry XXXX XXXX Inquiry Date : XX/XX/XXXX Type Automotive Contact Info XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute inquiry XXXX XXXX Inquiry Date : XX/XX/XXXX Type Credit Union Contact Info po box XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute inquiry XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Contact Info XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX ) XXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute inquiry Re : Disputing error [ s ] on credit report Dear Consumer Finance ], I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ Insert account number or other information such as account holder names and past addresses. This is especially important if you have had multiple accounts with the same company. ] Dates associated with item being disputed : [ Insert the date that appears on your report. This helps ensure that the correct account is identified by the company and to identify which aspects of the report are being disputed. You can still file a dispute if you dont have this date. ] Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] o The report shows I currently owe money to your company that I have already repaid. 
o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] [ Include the following sentence if you are including a copy of your credit report or other supporting documentation. I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX Under the Fair Cre Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner 15 U.S. Code 1692c - Communication in connection with debt collection. at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. 
( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 
( d ) Exception for resellers. 
( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. 
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. 
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. 
( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. 
( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this Act.!

Company response to consumer: Closed with non-monetary relief