Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: NJ
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:
Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries from my credit report. As a diligent consumer, I recently obtained a copy of my credit report from your agency, and to my surprise, I discovered multiple hard inquiries that I did not authorize or have any knowledge of. 

According to the Fair Credit Reporting Act ( FCRA ) under the consumer report law, it is my right to dispute inaccurate or unauthorized information on my credit report. The FCRA, as well as other applicable consumer protection laws, ensures that consumers like myself have the opportunity to rectify any errors that may negatively impact our creditworthiness. 

The unauthorized hard inquiries listed on my credit report are as follows : 1. XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX 3. XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : All Banks XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX, VA XXXX 4. XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies 5. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Business Type : All Banks XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX 6. Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXXXXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX 7. XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXXXXXX XXXX XXXX 9. XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies I have taken the necessary steps to protect my personal information and have not applied for credit or authorized any organizations to access my credit history within the mentioned time frame. Therefore, I believe these inquiries are inaccurate and require immediate investigation and request proof of any sign document. 

As per the FCRA, I kindly request that you conduct a thorough investigation into these unauthorized hard inquiries. Please provide me with the following information : XXXX. XXXX that the hard inquiries were conducted with proper authorization and permissible purpose. 
2. A copy of the signed document granting permission for the inquiries, if available.

3. Any other relevant information regarding the inquiries. 

I also request that you remove these unauthorized hard inquiries from my credit report as soon as possible. According to the FCRA, if the investigation confirms that the inquiries were unauthorized or conducted without permissible purpose, you are obligated to remove them from my credit report within 30 days. 

Furthermore, I expect written confirmation of the completion of the investigation, including any actions taken and the results obtained. Please send all correspondence to the address provided above. 

I understand that you have a legal obligation to investigate my dispute promptly, and I trust that you will adhere to the consumer report law and provide me with a fair and accurate resolution. If my dispute is not resolved satisfactorily, I reserve the right to pursue legal action to protect my rights under the FCRA and other relevant laws. 

Thank you for your attention to this matter. I look forward to your prompt response and the successful resolution of my dispute. 

Sincerely,

Company response to consumer: Closed with explanation