Consumer complaint received 2025-05-01 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: IA

Complaint narrative:
I have composed this complaint based on 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : 09/09/2024 REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT furnishing information that is tarnishing my creditworthiness, emphasizing the necessity for both parties to operate in good faith. I have operated in good faith and will continue to do so. I expect 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized MASSEYS Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized CAPONEAUTO Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT to demonstrate the same courtesy. Im going to take the time to educate 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized MASSEYS Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT on consumer laws since 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT is causing me direct harm as well as violating federal laws. According to 15 USC 1681a ( f ), the term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Did you catch the part about engaging in whole or in part? I sure did. By the federal definition I have kindly provided,1. The inquiry was not authorized CAPITAL ONE Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT is a consumer reporting agency furnishing my consumer information to third parties, including TransUnion, Experian, and Equifax, which are also consumer reporting agencies. TransUnion, Experian, and Equifax are third parties due to the simple fact that they are separate entities from I the consumer 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized CAPONEAUTO Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT. Furthermore, since 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT is federally categorized as a credit reporting agency under 15 USC 1681a ( f ), my written instructions as the consumer must be followed without further delay. The written instructions of the consumer trump all forms of permissible purpose. Let me reiterate, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving clear instructions to 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT XXXX. The inquiry was not authorized CAPITAL XXXX AUTO FIN Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT XXXX. The inquiry was not authorized MASSEYS Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT to update its tradeline to paid as agreed never late on my consumer report. Furthermore, now that I have educated 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXXate of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT on its proper legal role as a consumer reporting agency under 15 USC 1681i ( a ) ( 1 ) ( a ), 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized CAPONEAUTO Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT has to launch an investigation into my dispute and disclose the results of the investigation no later than 30 days from receipt of this complaint. Failure to launch an investigation and follow my written instruction will be willful non-compliance under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), and under this provision, I am entitled to {$1000.00} per violation. Needless to say, 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT has racked up quite a few violations. I expect my written instructions to be followed immediately! I am fed up with 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized CAPONEAUTO Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT actions that are directly affecting my reputation and creditworthiness. Let me remind 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized CAPONEAUTO Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith. To reiterate my demands regarding the handling of my consumer report, it is imperative that both parties operate in good faith and adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). As per my rights under 15 USC 1681b ( a ) ( 2 ), I am directing 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT to promptly update its tradeline to paid as agreed never late on my consumer report. This action is non-negotiable and must be completed within 30 days. Furthermore, under 15 USC 1681i ( a ) ( 1 ) ( a ), 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT is obligated to launch an investigation into my dispute and provide the results within 30 days of receipt. Failure to comply with this requirement will result in legal action and civil penalties. 



Fair resolution : To avoid such consequences, I propose the following fair resolution : 1. 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXXXXXX AUTO FIN Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT must update its tradeline to paid as agreed never late on my consumer report immediately and provide confirmation of this action within 30 days. 2. 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT must launch an investigation into my dispute as mandated by law and provide the results within the stipulated 30-day period. 3. 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT must cease all debt collection activities with prejudice. As part of a fair resolution, I recommend that employees of 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT be trained on consumer laws, including but not limited to 15 U.S.C. 1681a ( f ), 15 USC 1681b ( a ) ( 2 ), 18 USC 1028 ( 7 ), and 15 USC 1681n. I trust that 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> REMOVE IT FROM MY CREDIT REPORT will prioritize this matter and take the necessary steps to resolve it expediently and in accordance with legal requirements.

Company response to consumer: Closed with explanation