Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
Please delete the following accounts and inquiries. Thank you This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. 
Account Name : XXXX XXXX XXXX Account Number : Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Please delete this account This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. 
Account Name : XXXX XXXX XXXX Account Number : Date Opened : XXXX. XXXX, XXXX Balance : {$710.00} Please delete this account Pursuant to 15 USC 1605a the finance charge included the sum of all charges so therefore this late payment is illegal and not valid Account Name : XXXX XXXX XXXX  Account Number : Date Opened : XXXX. XXXX, XXXX Balance : {$470.00} Please the late payment status on my credit report Pursuant to 15 USC 1605a the finance charge included the sum of all charges so therefore this late payment is illegal and not valid Account Name : XXXX XXXX XXXX Account Number : Date Opened : XXXX. XXXX, XXXX XXXX : {$720.00} Please the late payment status on my credit report This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete! 

This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. 
XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete! 

This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete! 

This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please delete! 

This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. 
XXXX OF XXXX XXXX XXXX : XXXX XXXX, XXXX Please delete This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. 
Account Name : XXXX XXXX XXXX Account Number : Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Please delete this account This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. 
Account Name : XXXX Account Number : Date Opened : XXXX. XXXX, XXXX Balance : {$710.00} Please delete this account Pursuant to 15 USC 1605a the finance charge included the sum of all charges so therefore this late payment is illegal and not valid Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$470.00} Please the late payment status on my credit report Pursuant to 15 USC 1605a the finance charge included the sum of all charges so therefore this late payment is illegal and not valid Account Name : XXXX XXXX  XXXX  Account Number : Date Opened : XXXX. XXXX, XXXX XXXX : {$720.00} Please the late payment status on my credit report This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Please delete! 

This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. 
XXXX  XXXX XXXX : XXXX XXXX, XXXX Please delete! 

This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. 
XXXX  XXXX XXXX : XXXX XXXX, XXXX Please delete! 

This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Please delete! 

This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. 
XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX Please delete This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. 
XXXX XXXX Inquiry : XX/XX/XXXX Please delete Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$710.00} Please delete the following hard inquiries : Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX XXXX Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXX/XX/XXXX Inquiry Name XXXX XXXX XXXX XX/XX/XXXX Inquiry Name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error Account Name : XXXX XXXX XXXX Account Number : XXXX* Date Opened : XXXX. XXXX, XXXX Balance : {$470.00} Please delete or update late payment status on my credit report Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX XXXX : {$720.00} Please delete or update late payment status on my credit report

Company response to consumer: Closed with explanation