Consumer complaint received 2025-10-08 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn RE: Unauthorized Fraudulent Inquiry\n To Whom It May Concern:\n This notice is to inform you that you unlawfully reported a fraudulent inquiry that arose from\n identity theft that you did not verify as required by law on my consumer report.\n 15 USC 1681b (c)  Furnishing reports in connection with credit or insurance transactions\n that are not initiated by the consumer states:\n Except as provided in section 15 USC 1681g(a)(5), a consumer reporting agency shall not\n furnish to any person a record of inquiries in connection with a credit or insurance transaction\n that is not initiated by a consumer.\n The following inquiry is the result of identity theft and was not initiated by me. I demand that it\n be deleted immediately from my credit file:\n Fraudulent Inquiry to be Deleted:\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn My identity has been stolen, and you are hereby put on notice.\n Aggravated Identity Theft pursuant to 18 U.S.C. 1028A:\n Whoever, during and in relation to any felony violation enumerated in subsection (c),\n knowingly transfers, possesses, or uses, without lawful authority, a means of identification of\n another person shall, in addition to the punishment provided for such felony, be sentenced to\n a term of imprisonment of 2 years.\nAn identification of me has been used without my permission to open accounts that have\n damaged my reputation and my mode of living because you furnished a consumer report\n without my written permission, as stated by Federal Law 15 USC 1681b  Permissible\n purpose of consumer reports.\n XXXX XXXX XXXX XXXX XXXX has aided this fraud by not verifying these accounts.\n Congress states under 15 USC 1681  Fair Credit Reporting Act (a)(4):\n There is a need to ensure that consumer reporting agencies exercise their grave\n responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n Legal Obligation to Block Fraudulent Information\n Pursuant to 15 U.S. Code 1681c2  Block of information resulting from identity theft:\n A consumer reporting agency shall block the reporting of any information in the file of a\n consumer that the consumer identifies as resulting from an alleged identity theft, not later than\n 4 business days after receipt by such agency of: appropriate proof of the identity of the\n consumer; a copy of an identity theft report; the identification of such information by the\n consumer; and a statement by the consumer that the information is not information relating to\n any transaction by the consumer.\n I have attached all the relevant documents pursuant to the above section of the law. I demand\n that the above fraudulent inquiry be deleted immediately.\n Request for Updated Report\n Pursuant to 15 USC 1681c-1 (2)  Access to free reports:\n In any case in which a consumer reporting agency includes a fraud alert in the file of a\n consumer pursuant to this subsection, the consumer reporting agency shall disclose to the\n consumer that they may request a free copy of their file pursuant to section 1681j(d).\n I therefore demand an updated copy of my consumer file reflecting this deletion. Be advised, I\n will CC the Bureau of Consumer Financial Protection (CFPB) regarding this notice and any\n lack of compliance with federal law.\n Thank you,\n _____________________________\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation