Consumer complaint received 2025-02-18 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:
CFPB Complaint Demand for Immediate Deletion of Fraudulent Hard Inquiries Resulting from Identity Theft This letter serves as my formal complaint regarding the unlawful reporting of hard inquiries on my consumer credit report that resulted from identity theft. These inquiries were not initiated by me and were reported without proper verification as required by law. I allege that these inquiries constitute fraudulent activity, and I demand their immediate deletion from my credit file. 

This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer XXXX XXXX XXXX  Information regarding inquiries ; Except as provided in section XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> ( Experian ) XXXX XXXX XXXX XXXX of Inquiry : XX/XX/year> ( Experian ) XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/year> ( Experian ) XXXX XXXX Date of Inquiry : XX/XX/year> ( Equifax ) XXXX XXXX Date of Inquiry : XX/XX/year> ( TransUnion ) XXXX Date of Inquiry : XX/XX/year> ( TransUnion ) My identity has been stolen, you are hereby put on notice. 
Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. 
IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have aided this Fraud by not verifying these accounts. 
XXXX states XXXX XXXX XXXX Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Pursuant XXXX XXXX XXXX XXXX - Block of information resulting from identity theft. 
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 XXXX 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. 

I have attached all the relevant documents pursuant the above Section of the law. I demand all the above Fraudulent INQUIRIES DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Access to free reports. 

In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section XXXX XXXX XXXX XXXX of this title ; and Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB )

Company response to consumer: Closed with explanation