Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, I am writing to formally dispute certain hard inquiries listed on my credit reports, which appear to be unknown to me and are affecting my creditworthiness. I have reviewed my credit reports from Equifax, XXXX, XXXX, and I have noticed multiple hard inquiries from unknown companies that have no associated contact information. These inquiries are causing me significant concern and negatively impacting my credit profile. 

I kindly request your assistance in investigating and rectifying this issue. I believe that these inquiries are inaccurately listed on my credit report and have not been initiated by me or with my consent. I have never engaged in any financial transactions with these companies nor have I given them permission to access my credit information. 
Here are the hard inquiries and inaccuracies XXXX XXXX!!!!!!!!! 

XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  closed XX/XX/XXXX XXXX 

XXXX XXXX  closed XX/XX/XXXX? 

XXXX XXXX 2 times?? 

XXXX closed XX/XX/XXXX?? 

XXXX XXXX XXXX XXXX XXXX Equifax!!!!!!!!! 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX The unauthorized hard inquiries have left me feeling vulnerable and concerned about the security of my personal financial information. I have attached copies of the relevant credit reports highlighting these unknown hard inquiries for your reference. 

I respectfully request that the Consumer Financial Protection Bureau initiate an investigation into these hard inquiries. I am asking for the following actions to be taken : Removal of Disputed hard inquiries from my credit reports. 
Notification to the respective credit bureaus to update my credit reports accordingly. 
I understand the importance of accurate credit reporting, and I am committed to maintaining the integrity of my credit profile. Your assistance in resolving this matter is greatly appreciated. Please inform me of the results of your investigation and any actions taken to rectify this situation. 

I am willing to cooperate fully with any additional information or documentation you may require to facilitate this investigation. You may reach me at XXXX or XXXX for any further clarification or to provide updates on this dispute. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this dispute, and I trust in the CFPB 's commitment to fair and accurate credit reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation