Consumer complaint received 2023-03-09
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:
On XX/XX/XXXX I wrote a dispute to all consumer reporting agencies, XXXX, Equifax and XXXX about all the unauthorized hard inquiries that they are reporting. My letters have been ingnored by XXXX and XXXX and Equifax claims that they are valid inquiries with no proof of validation or a method of verification which clearly shows that they did not conduct a proper investigation or an investigation at all most likely. Under the FCRA it clearly states that under permissible purpose what constitutes a valid hard inquiry. 1. A firm offer of credit 2. Insurance 3. A court order 4. Employment I don't know how these all got on my report because I didn't give permission or sign off any kind of authorization to run my credit nearly 50 times. I want them deleted immediately along with the personal information that is also inaccurate or outdated.

1. The following personal information is outdated/invalid and needs to be deleted. 

EMPLOYER : XXXX XXXX XXXX 2. The following personal information is outdated/invalid and needs to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is outdated/invalid and needs to be deleted. 

XXXX XXXXXXXX XXXX XXXX, TX XXXX 4. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 5. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 6. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 7. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 8. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 9. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 10. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 11. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 12. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 13. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 14. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 15. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 16. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 17. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 18. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 19. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 20. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 21. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 22. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 23. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 24. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 25. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 26. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX TX Date of inquiry : XX/XX/XXXX Delete these immediately 27. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 28. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 29. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 30. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 31. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 32. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX CADIL Date of inquiry : XX/XX/XXXX Delete these immediately XXXX. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 34. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 35. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 36. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 37. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 38. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 39. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 40. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 41. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 42. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 43. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 44. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 45. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately 46. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 47. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons. 
XXXX  Date of inquiry : XX/XX/XXXX Delete these immediately

Company response to consumer: Closed with explanation