Consumer complaint received 2025-04-30 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:
Hi my name is XXXX XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization. 
* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *. 
* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *. 
2. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 
3. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law. 

Account Name : XXXX XXXX When This Account Opened : XX/XX/XXXX Account Balance : {$20000.00} Account Name : XXXX When This Account Opened : XX/XX/XXXX Account balance : {$10000.00} Account name : XXXX When This Account Opened : Account Balance : {$170.00} Account Name : XXXX When this account opened : Account balance : {$10.00} Account Name : XXXX When this account opened : Account balance : {$72.00} Account Name : XXXX When this account opened : Account balance : {$22.00} Account name : XXXX XXXX When this account opened : XX/XX/XXXX Account balance : {$250.00} Account name : XXXX XXXX When this account opened : XX/XX/XXXX Account balance : {$250.00} Account name : XXXX XXXX XXXX XXXX 
When this account opened : XX/XX/XXXX Account balance : {$650.00} Account name : XXXX XXXX XXXX when this account opened : XX/XX/XXXX Account balance : {$590.00} Account Name : XXXX XXXX XXXX 
When This Account Opened : XX/XX/XXXX Account Balance : {$500.00} Account Name : When This Account Opened : Account Balance : HARD INQUIRIES Inquiry name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XXXX XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : Inquiry name : XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : Inquiry name XXXX XXXX XXXX XXXX inquiry date : Inquiry name : XXXX XXXX Inquiry date : Inquiry name : XXXX XXXX A Inquiry date : XXXX XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry XXXX : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation