Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, XXXX, XXXX, and Equifax are damaging my estate by reporting illegal transactions that I never gave written, verbal, or any type of communication or permission to do. XXXX XXXX XXXX XXXX does not have an original contract with me and they can't produce the original documents and are using fake documents in violation of 15 USC 1692j. On top of that, The credit bureaus XXXX, XXXX, and Equifax are also in violation of 15 USC 1692g, 15 USC 1692f, Privacy Act of 1974, 15 USC 1681g, 15 USC 1681b, 15 USC 1681c, 15 USC 1692d, 15 USC 1681c, 15 USC 1681i. XXXX, Equifax, and XXXX has reported multiple addresses on my consumer report. I only have XXXX XXXX XXXX XXXX XXXX TX XXXX. All 3 Credit Bureaus are in direct violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXXXXXX XXXX XXXX  are not companies that I have an agreement with and I never gave these companies my social security number and I never permitted anyone to place collections on my consumer report. That is identity theft!!!! It is a shame that these credit bureaus do not have regulations or standards in place to protect the consumer. XXXX is the worse allowing any company to be posted to my consumer report. Neither did I receive any type of notice from XXXX, Equifax, or XXXX while these companies are taking adverse action on me and that is a violation of 15 USC 1681m. In addition, all of these hard inquiries should not be on none of consumer reports : XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX - XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX - XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX ) XXXX XXXX XXXX XXXX - XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX Failure to update my consumer report will result in my filing arbitration against each bureau for these violations.

Company response to consumer: Closed with explanation