Consumer complaint received 2025-12-02 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: TN

Complaint narrative:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection. 
XXXX XXXX XXXX XXXX XXXX  - I did not authorize these inquiries. - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX - XX/XX/XXXX - XXXX did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXX XXXX XXXX XXXX  - I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXX XXXX I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXX XXXXXXXX I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXXXXXX XXXX XXXXXXXX I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX MAIN- XXXX I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXX XXXXXXXX I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXXXXXX I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXX I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXX I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXXXXXX I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 
XXXX XXXXXXXX I did not authorize this inquiry - The following inquiry should not be reporting on my credit report. Please delete this from my credit report. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY OR Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Best regards, cc : CFPB via XXXX  ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief