Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
b"They have repeatedly disobeyed my direct order to remove all my personal information until they provide written proof I sign consent to publish my personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern:\nI am writing to formally dispute unauthorized credit\ninquiries listed on my credit report, in accordance with\nmy rights under the Fair Credit Reporting Act (FCRA)\n specifically 15 U.S. Code 1681b, 1681c, and 1681i.\nThese inquiries appear to have been made without my\nconsent and without a permissible purpose as required\nunder 1681b. Pursuant to 1681i, I request a full\ninvestigation and immediate removal of any and all\nunauthorized inquiries from my credit file. As required\nby law, please provide documentation showing that I\ngranted explicit authorization for each disputed inquiry.\nProof of identity is enclosed with this letter, including my\nfull name, current address, and a copy of my\ngovernment-issued ID for verification.\n Legal Notice\nBe advised: any continued publication, distribution, or\naccess to my personal information including via\nunauthorized credit inquiries may constitute a\nviolation of federal law under the FCRA and a breach of\nprivacy under Illinois tort law, such as intrusion upon\nseclusion and public disclosure of private facts.\nAccordingly, any further unauthorized sharing, use, or\naccess to my personal data shall be treated as evidence of\nwillful noncompliance and an admission of liability in a\ncivil action for damages under 15 U.S.C. 1681n (willful\nviolations) and 1681o (negligent violations).\nPlease complete this investigation within the required 30-\nday timeframe and provide me with a written\nconfirmation of the results and any actions taken.\nSincerelyXXXX XXXXThey sent meXXXX XXXX XXXX XXXX XXXX XXXX Personal Identification Information (This section includes your name, current and previous\naddresses, and any other identifying information reported by your creditors.)\nName On File: XXXX XXXXSocial Security XXXX Date of BirthXXXX XXXX XXXX XXXXCurrent AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported: XXXXPrevious Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported: XXXX XXXX XXXXPlease address all future correspondence to:\nwww.equifax.com/personal/disputes\nEquifax Information Services LLCXXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast Reported Employment: XXXX XXXX First Reported: XXXX Last Reported: XXXXXXXX XXXX Information (This section includes accounts that credit grantors have placed for collection with a collection agency.)XXXXXXXX XXXX Collection Reported XXXX Assigned XXXX Creditor Class - Insurance; Original Creditor XXXX XXXX XXXX XXXX XXXX Amount XXXX XXXX Status as of XXXX Unpaid; XXXX XXXX XXXX Delinquency XXXX Balance as of XXXX XXXX XXXX Individual\nAccount; Account # XXXX XXXX ADDITIONAL INFORMATION - Consumer Disputes - Reinvestigation in Process; Consumer Disputes This Account\nInformation; Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCredit Account Information\n(For your security, the last 4 digits of account number(s) have been replaced by *) (This section includes open and closed accounts reported by credit grantors)\nAccount Column Title Descriptions:\nAccount Number - The Account number reported by credit\ngrantor\nDate Acct. Opened - The Date that the credit grantor opened the\naccount\nHigh Credit - The Highest Amount Charged\nCredit Limit - The Highest Amount Permitted\nTerms Duration - The Number of Installments or Payments\nTerms Frequency - The Scheduled Time Between Payments\nMonths Reviewed - The Number of Months Reviewed\nActivity Designator - The Most Recent Account Activity\nCreditor Class - The Type of Company Reporting The Account\nDate Reported - Date of Last Reported Update\nBalance Amount - The Total Amount Owed as of the Date\nReported\nStatus - Condition of Account When Last Updated by\nCreditor or Otherwise\nAmount Past Due Date of Last Paymnt Actual Pay Amt - Sched Pay Amt - Date of 1st Delinquency Date of Last Actvty - Date Maj Delq Rptd - The Amount Past Due as of the Date Reported\n- The Date of Last Payment\nThe Actual Amount of Last Payment\nThe Requested Amount of Last Payment\n- The Date of First Delinquency\nThe Date of the Last Account Activity\n- The Date the 1st Major Delinquency Was\nReported\nCharge Off Amt - The Amount Charged Off by Creditor\nDeferred Pay Date - The 1st Payment Due Date for Deferred Loans\nBalloon Pay Amt - The Amount of Final(Balloon) Payment\nBalloon Pay Date - The Date of Final(Balloon) Payment\nDate Closed - The Date the Account was Closed\nAccount History\nStatus Code\nDescriptions\n1 : 30-59 Days Past Due\n2 : 60-89 Days Past Due\n3 : 90-119 Days Past Due\n5 : 150-179 Days Past Due\n6 : 180 or More Days Past Due\nG: Collection AccountXXXX XXXX XXXX XXXX Charge OffXXXX XXXX XXXX XXXX XXXX XXXX XXXX 120-149 Days Past Due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor ClassificationXXXX XXXX XXXX 75 Months Monthly 54\nDate of Last\nReported Update\nBalance\nAmount\nAmount\nPast Due\nDate of Last\nPayment\nActual Payment\nAmount\nScheduled Payment\nAmount\nDate of 1st\nDelinquency\nDate of Last\nActivity\nDate Maj\nCharge Off\nDel. 1st Reported\nAmountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDeferred Pay\nStart Date\nBalloon\nPay Amount\nBalloon\nPay Date\nDate\nClosed\nStatus - Charge Off; Type of Account - Installment; Type of Loan - Auto; Whose Account - Joint Account; ADDITIONAL INFORMATION - Consumer Disputes -\nReinvestigation in Process; Charged Off Account; Auto; Account Previously in Dispute - Now Resolved by Data Furnisher;\nAccount History\nwith Status CodesXXXXHistorical Account Information\nBalance Scheduled\nPayment\nAmount\nActual\nPayment\nAmount\nDate of\nLast\nPayment\nHigh\nCredit\nCredit\nLimit\nAmount\nPast\nDue\nType of\nLoan\nActivity\nDesignatorXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Consumer Disputes - Reinvestigation in ProcessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX  Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX XXXXHistorical Account Information\nBalance Scheduled\nPayment\nAmount\nActual\nPayment\nAmount\nDate of\nLast\nHigh\nCredit\nCredit\nLimit\nPayment\nAmount\nPast\nDue\nType of\nLoan\nXXXX XXXX XXXX XXXX XXXX Auto\nActivity\nDesignator\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data Furnisher\XXXX XXXXXXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data Furnisher\XXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Account Previously in Dispute - Now Resolved by Data FurnisherXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHistorical Account Information\nBalance Scheduled\nPayment\nAmount\nActual\nPayment\nAmount\nDate of\nLast\nPayment\nHigh\nCredit\nCredit\nLimit\nAmount\nPast\nDue\nType of\nLoan\nActivity\nDesignatorXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Fixed RateXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Fixed RateXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Fixed RateXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Fixed RateXXXX XXXX XXXX XXXX XXXX Auto\nAdditional Information: Charged Off Account; Auto; Amount In High Credit is Original Charge-Off Amount; Fixed RateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor ClassificationXXXX XXXX XXXX XXXX Monthly 24\nDate of Last\nReported Update\nBalance\nAmount\nDate of Last\nAmount\nPast Due\nPayment\nActual Payment\nAmount\nScheduled Payment\nAmount\nDate of 1st\nDelinquency\nDate of Last\nActivityXXXX XXXX XXXX XXXXDate Maj\nCharge Off\nDel. 1st Reported\nAmount\nDeferred Pay\nStart Date\nBalloon\nPay Amount\nBalloon\nPay Date\nDate\nClosed\nStatus - Pays As Agreed; Type of Account - Revolving; Type of Loan - Flexible Spending Credit Card; Whose Account - Terminated; ADDITIONAL INFORMATION - Flexible\nSpending Credit Card;\nAccount History\nwith Status CodesXXXX request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and\nthose that do not.\nInquiries that may impact your credit rating/score.\nThese are inquiries made by companies to whom you have applied for a loan or credit. They may remain on your file up to 2 years.\nCompany Information Inquiry Date(s)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnInquiries that do not impact your credit rating/score.\nThese are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit\nfile. They may remain on your file for up to 2 years.\nCompany Information - Prefix DescriptionXXXX XXXX XXXX - Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors.XXXX XXXX - Inquiries with this prefix are from rental car companies regarding debit card payment acceptance.\XXXX  - Inquiries with this prefix are for collection purposes and may be from the lender, a party collecting on the lender's behalf, or a\ncompany that purchased your debt.XXXX XXXX - Inquiries with this prefix are from your requests for your own report or requests you have authorized as part of a service or product.XXXX - Inquiries with this prefix relate to a review of your consumer report for the opening of a deposit account.XXXX XXXX XXXX XXXX - Inquiries with this prefix indicate an employment inquiry.\nEQUIFAX XXXX XXXX XXXX Inquiries with these prefixes indicate Equifax's activity in response to your contact with us for a copy or your credit file or a research\nrequest.XXXX XXXX - Inquiries with this prefix relate to a review of your consumer report for financial counseling or planning.XXXX - Inquiries with this prefix are from insurance companies regarding a review of your consumer report for insurance underwriting\npurposes.\nMEDICAL - Inquiries with this prefix are from medical service providers.XXXX - Inquiries with this prefix are general inquiries that do not display to creditor grantors.XXXX XXXX - Inquiries with this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to\nanother company in connection with a mortgage loan.XXXX XXXX - Inquiries with this prefix are used when companies review the consumer report of a spouse who is not a co-applicant.XXXX - Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing.XXXX  - Inquiries with this prefix are used when you have provided consent to be prequalified for an auto loan or lease.XXXX - Inquiries with this prefix are used when you have provided consent to be prequalified for a credit card.XXXX - Inquiries with this prefix are used when you have provided consent to be prequalified for telecommunications products or services.XXXX - Inquiries with this prefix are used when you have provided consent to be prequalified for a home equity loan or line of creditXXXX - Inquiries with this prefix are used when you have provided consent to be prequalified for an installment loan other than auto,\nmortgage or home equity.XXXX - Inquiries with this prefix are used when you have provided consent to be prequalified for an insurance quote.XXXX - Inquiries with this prefix are used when you have provided consent to be prequalified for a mortgage loan.XXXX  - Inquiries with this prefix are used when you have provided consent to be prequalified for an overdraft line of credit.XXXX - Inquiries with this prefix are used when you have provided consent to be prequalified for credit or services, not specific to auto,\ncredit card, telecommunications, home equity, installment loan, insurance, mortgage or overdraft services.XXXX - Inquires with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer\nof credit of insurance.XXXX - Inquiries with this prefix relate to the use of a consumer report in the period of time between underwriting and closing of a mortgage\nloan to ensure no new debt is identifiedXXXX - Inquiries with this prefix are used by a social service agency related to a government benefit or child support.XXXX - Inquiries with this prefix are used when requesting utility services.\nCompany Information Inquiry Date(s)\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCompany Information Inquiry Date(s)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief