Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: MI
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:
Dear XXXX XXXX I am writing to dispute a hard inquiry on my credit report that was not authorized by me. I recently checked my credit report and noticed that there was a hard inquiry on [ insert date ] from [ insert company name ] that I did not authorize. 

After investigating the matter, I discovered that this inquiry was the result of fraudulent activity. Someone must have gained access to my personal information and used it to apply for credit without my knowledge or consent. 

As a victim of identity theft and fraud, I request that this unauthorized hard inquiry be removed from my credit report immediately. I did not initiate this inquiry, nor did I give permission for anyone to access my credit information. This inquiry has negatively impacted my credit score and financial reputation, and it is unfair that I should suffer the consequences of someone else 's illegal actions. 

I have already taken steps to protect my personal information and prevent further fraudulent activity, including placing a fraud alert on my credit report and monitoring my accounts closely. I hope that you will take prompt action to investigate this matter and remove the unauthorized hard inquiry from my credit report. 

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Company response to consumer: Closed with explanation