Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
I have been seeking remedy since XX/XX/year> and EQUIFAX has yet to conduct a proper investigation regarding the hard inquiries reflected on my consumer report. 

RE : VIOLATION OF 15 US CODE 1681b Dear Sir/Madam, I am writing to dispute several hard inquiries that are listed on my credit report. The hard inquiries that I see, I am not aware of.

Hard inquiries occur when you apply for new credit and a creditor pulls your credit profile. I have not requested for my credit to be ran as I am in the process of purchasing a home. Please investigate the various hard inquiries below & DELETE IMMEDIATELY : XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/year> - FCRA Section 605B ( 15 U.S.C. 1681c-2 ) - Right to Block Information Resulting from Identity Theft : Under Section 605B, I am requesting the removal of the unauthorized hard inquiries from my credit report.

I have not applied for anything in quite sometime and I would like to have these unauthorized hard inquiries investigated and permanently removed from my credit report as soon as possible. These unauthorized hard inquiries are causing great danger to my credit score. The fact that I KNOW I did not give permission for my credit report to be accessed - this is a direct violation of 15 US Code 1681b- PERMISSIBLE PURPOSE.

According to 15 US Code 1681b PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, 1 of 2 determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. 
( XXXX ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.

Furthermore, according to 15 US Code 1681b ( 2 ) DISCLOSURE TO CONSUMER, there was no written disclosure to me, the consumer, at any time before the report was procured nor did I give authorization for any company to pull my credit report. As a reference I will provide the LAW below so you can see for yourself.

( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

I am requesting that you provide me with the following information since you are reporting that I alleged authorized these hard inquiries : Please provide me with the time and who I spoke with when I allegedly gave permission to access my credit report.

Please send me the paperwork that creditors provide that DISPLAYS my credit score Please provide me with the contact information of the manager from each company in which I allegedly gave permission to access my credit report.

If you can not provide me with the supporting documentation I have requested above, please permanently remove these unauthorized hard inquiries.

I understand that you are required by law to investigate this matter within 30 days of receiving this letter. I also request that you provide me with a written update of the investigation results.

Please provide confirmation that this inquiry has been removed from my credit report once the investigation is completed. I trust that this resolution will be handled accordingly per your violation of the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief