Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXThis notice is to inform you that you unlawfully reported fraudulent inquiries that arose from identity theft that you did not verify as required by law on my consumer report. This is my second letter regarding this issue (first letter XXXX XXXX XXXX  Certified mail XXXX XXXX XXXX XXXX XXXX XXXX), and your continued failure to address it is a violation of federal law.\n15 USC 1681b (c) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer (3) Information regarding inquiries; Except as provided in section 15 USC 1681g(a)(5) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.\nThe following inquiries are a result of identity theft and were not initiated by me. I demand that they are deleted immediately:\nInquire onXXXXCurrent nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMy identity has been stolen, and you are hereby put on notice.\nAggravated Identity Theft pursuant to 18 U.S.C. 1028A.\nIN GENERAL.  Whoever, during and in relation to any felony violation enumerated in subsection (c), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law.\nYou have aided this fraud by not verifying these accounts.\nCongress states\n15 USC 1681 Fair Credit Reporting Act\n(a)Accuracy and fairness of credit reports\n(4) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.\nPursuant to 15 U.S. Code  1681c2 - Block of information resulting from identity theft: Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of (1) appropriate proof of the identity of the consumer;\n(2) a copy of an identity theft report;\n(3) the identification of such information by the consumer; and\n(4) a statement by the consumer that the information is not related to any transaction by the consumer.\nIf you do not block this information within the next 4 days as required by law, I will proceed with legal action against you. I have attached all the relevant documents pursuant to the above section of the law. I demand all the above fraudulent inquiries be deleted immediately. I demand an updated copy of my consumer file reflecting these changes (15 USC 1681 c-1 2 Access to free reports).\nIn any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall (A) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j(d) of this title;'

Company response to consumer: Closed with non-monetary relief