Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX - Subject : Disputing Information in and on my Credit Report, Hard Inquiries I am writing to dispute the following information in my file, 10 hard inquiries. 
I was car shopping the last week of XX/XX/XXXX and all of these hard inquiries were put on my credit. 

I did not authorize or even know all of these hard inquiries were put on my credit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all 3 are listed twice on my credit report. My name is XXXX XXXX XXXX - XX/XX/XXXX - last 6 of my social sec XXXX XXXX  my cell XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called the dealerships last week and they told me, they call check with multiple financing agencies to get a better interest rate for their customers. I had no idea, they did or do this. But with each hard inquiry that is 3-5 points off my credit score times 10 inquiries = 30 to 50 points lowering my credit score. The below addresses is 10 financing agencies they called or ran my credit with for financing. 

To my knowledge, I never signed any documents authorizing these car financing organizations to view my credit history. Therefore, I think these hard inquiries into my credit report violate the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I am requesting to have all 10 hard inquiries to be REMOVED or DELETED OFF my credit report from XXXX, Equifax and XXXX credit agencies. The 2nd page attached is 10 financing agencies they called or ran my credit with for car financing. Next car I buy, I will set up financing thru my bank, so this will never happen again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate this matter and DELETE OR REMOVE these 10 hard inquiries off my credit from XXXX, Equifax and XXXX credit agencies. 
As soon as possible, BELOW full addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation