Credit reporting or other personal consumer reports — EQUIFAX, INC. (NY)

Credit inquiries on your report that you don't recognize. On XX/XX/XXXX, I submitted a formal dispute to Equifax regarding a fraudulent hard inquiry that appeared on my credit report from XXXX, dated XX/XX/XXXX. This inquiry was not authorized by me and was the result of identity theft. I never initiated or gave permission for this inquiry. Equifax failed to properly verify the legitimacy of this inquiry, which is a violation of : 15 U.S.C. 1681b ( c ) which prohibits reporting inquiries for credit or insurance transactions not initiated by the consumer ; 15 U.S.C. 1681c2 which requires a consumer reporting agency to block information resulting from identity theft within 4 business days upon receiving proper documentation ; 18 U.S.C. 1028A which defines the unauthorized use of identify