Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm sending this complaint due to new evidence and supportive documents. I met with big violation of law by Equifax Credit Bureau. 
I have submitted my letter regarding hard inquires on my report from Equifax as soon as I found out them. I couldn't believe it that I become a victim of Identity theft and how Equifax treated me in this matter. 
I sent letter to Equifax via certified mail on XX/XX/XXXX. After I received confirmation letter from Equifax that have received my request I received another letter from them, that I have to dispute each inquiry directly with Creditor. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to Equifax, it is their responsibility to investigate my claims, and when they can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
On XX/XX/XXXX I have sent them my first complaint through CFPB with all supportive documents including FTC Report, Identity Theft Complaint and Affidavit, copy of my social security card, proof of address and my ID. On XX/XX/XXXX I noticed that they removed XXXX ( XXXX ) hard inquiries but not XXXX ( XXXX ) others that I claimed originally. So, I gave them a call and I got a supervisor - his name is XXXX XXXX on a phone. He was extremely rude with me, and he said I have to fax to them all my request and supportive documents with FTC report because they never received anything from me. HOW??? If they removed XXXX hard inquiries, based on what then they removed. Based on my request. Right? So nevertheless, I faxed to them another package of the documents with XXXX REPORT. Fax was made on XX/XX/XXXX. On XX/XX/XXXX I gave them another phone call as I been advised by that supervisor. And I was shocked with their response. I been told they didn't receive anything from me. Here is a confirmation number of that fax with the date and number of pages I faxed. They denied submitting my dispute over the phone even thou as a consumer I have a right to do so. At this point I feel absolutely hopeless and I feel like Equifax Credit Bureau just playing some game with me by denied my request. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agency- Equifax has attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these hard inquiries that still reporting on my report : 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 XXXXXX/XX/XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these items do not belong to me. This means that you are reporting incorrect ITEMS within my credit report. It is with this in mind that I request that these listed INQURIES be BLOCKED and DELETED! 
I have included here : copy of proof of fax to Equifax, SSN, ID, proof of address, FTC Report, Affidavit, Fraud Report confirmation

Company response to consumer: Closed with explanation