Consumer complaint received 2024-01-29 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Hard Inquiry List: XXXX XXXX  Inquired on XXXX XXXX XXXX  Business Type: Finance, personal XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Automotive XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  Business Type: Finance, personal XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX This inquiry is scheduled to continue on record untiXXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX  UT XXXX XXXX XXXXXXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXXXXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance other than personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  Business Type: Automotive XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXXnquired on XXXX XXXX XXXX  Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  Business Type: Finance, personal XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Automotive XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  Business Type: Banks and S&Ls XXXX XXXX XXXXXXXX XXXX XXXX XXXX OR XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  Business Type: Finance, personal XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  Business Type: Automotive XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Business Type: Banks and S&Ls XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  Business Type: Automotive XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX Business Type: Automotive XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX  Business Type: Automotive XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Automotive XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  Business Type: Banks and S&Ls XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX Business Type: Finance, personal XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type: Finance other than personal XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX



The above accounts have violated my rights pursuant to 15 U.S.C 1681 section 602 A. which affirms I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2: states a consumer reporting agency cannot furnish a account without my written permission and 15 U.S.C 1681(c)(a)(5) clarifies that no consumer reporting agency may make any consumer report containing any of the following items of information such as any adverse information, other than records of convictions of crimes which antedates the report by more than seven years. Pursuant to 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally per Arizona Revised Statutes 44-1696. Unlawful acts; classification A. Any person who requests or obtains a consumer report from a consumer reporting agency under false pretenses or furnishes a consumer report to any person except as prescribed by this article or any employee of a consumer reporting agency who knowingly falsifies a consumer report or any records relating thereto shall be guilty of a class 1 misdemeanor.

Fifty six unauthorized hard credit inquiries with out my consent or authorization and the subsequent refusal to remove them is a violation not only of Arizona statutes but federal identity theft laws.

Company response to consumer: Closed with explanation