Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
I have requested an investigation of the items listed as inaccurate on my credit report several times to no avail. The report isnt even metro 2 compliant yet my disputes keep coming back verified. In addition several companies listed have never been granted permission to access my private and personal data yet you have allowed them to post and report at will which violates my rights. Id prefer if this wrong be righted asap to prevent further escalation and damages. I have included each individual bureau letters and expect proper validation be done as to uphold the law that protects my rights as a consumer. My private and personal information should not be so easily accessible or distributable without consequence and I intent to take this to the furthest extent possible to protect my rights. 

Listed below are the Personal Information that are being challenged Employer - XXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, TX XXXX Listed below are the Collections that are being challenged Privacy violation. No consent was given to this company to access my private and personal data. This constitutes fraud and identity theft. These accounts are unauthorized and must be deleted from my credit report immediately. - Select This is not mine - please remove this inaccuracy from my report XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged I was never late on this item - XXXX  This is not mine - please remove this inaccuracy from my report I was never late on this account. 
I kindly request that the deficient information be deleted immediately. This information lacks verification of accuracy, completeness, timeliness, and validation. Furthermore, it does not comply with any reporting standards as it has not been proven to be reliable. 
XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged It has come to my attention that several unfamiliar companies have been listed, raising significant doubts regarding their rightful presence. The apparent placement of an inquiry on my credit file without my knowledge or consent has left me both bewildered and disturbed. I firmly believe that such an intrusive action should not have been possible unless expressly approved by myself beforehand. I feel compelled to remind you of the essential provisions enshrined within the Fair Credit Reporting Act, which unequivocally mandates that all users must possess a valid and permissible purpose to access an individual 's credit report. In light of these circumstances, I kindly request that you promptly rectify this matter by expunging the aforementioned unauthorized inquiry from my credit file. 
Alternatively, I implore you to provide comprehensive documentation substantiating the existence of a legitimate and permissible purpose for this troubling inquiry. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief