Consumer complaint received 2022-10-14 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: FL

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOUWRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, bank statement, and driver 's license. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 

Inquiry from XXXX XXXX Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : XXXX  - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : XXXX  - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXXXXXX XXXX XXXXXXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX  XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX  XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX  XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX  XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX, Note : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX, Note : HARD Inquiry : XXXX  - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX - XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX IN, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXXXXXX XXXX XXXX  Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX, Note : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX, Note : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX  XXXX, Note : HARD Inquiry : XXXX - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX : HARD Inquiry : Automotive - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I never applied for credit with this company, please remove this inquiry. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX  ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation