Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Never Initiated-Non-Permissible Inquiries Reported / Violations When Requesting Proof from Creditors, NO Proof Issued I have not applied for any type of credit for that I can recall for the past 18 months. 
Equifax Dispute Dept : Illegal Reporting Procedures WITHOUT No Proof Hello and please read on. I just paid for a credit report and noticed these inquiries that I have no knowledge of. 

I have NOT given ANYONE permission or consent to do so, as I have not applied for credit for almost 2 years. I am giving you as much information as I can to help you with this reinvestigation demand. I personally believe that someone has hacked or stolen my identity because of having excellent credit myself.

According to Section 604, FCRA, I would greatly appreciate if you would kindly, provide me for what they call a permissible purpose or proof that I applied or initiated these inquiries from each company as I am concerned about my security and privacy of my credit, something that I take pride in. I also understand that written authorization for all inquiries listed have to be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately.

I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am asking you to kindly delete these inquiries from my credit report of Equifax because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization or a permissible purpose. Once again, I can assure you I have not applied for any type of credit for almost 2 years because I have not had to do such a thing, thank XXXX. 

Section XXXX states that a Permissible Purposes of XXXX XXXX XXXX XXXX. XXXX ( a ) in Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 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, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

Although not many, the possibility of someone using my personal information concerns me and has me stressed for many reasons. These companies do and did not have permission or authorization to request my credit report from your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am very concerned because I did not apply for any credit with these companies. I demand the removal of these unauthorized, unproven, non-compliant, and unverified inquiries immediately as required by law if not proven with an actual purpose. Please mail a new credit report when these expectations been deleted. 

Thanks for your cooperation,

Company response to consumer: Closed with explanation