Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Miscellaneous Reptg. Agencies XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX +XX/XX/XXXX Certified Credit Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XX/XX/XXXX Inquiry from XX/XX/XXXX + Auto Financing XX/XX/XXXX/XX/XX/XXXXInquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX from XX/XX/XXXX + Miscellaneous Reptg. AgenciesXX/XX/XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XX/XX/XXXXInquiry from XX/XX/XXXX + XX/XX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. AgenciesXX/XX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XX/XX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XX/XX/XXXX Credit Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XX/XX/XXXX/XX/XX/XXXXInquiry from XX/XX/XXXX + Miscellaneous XX/XX/XXXXInquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XX/XX/XXXXInquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Auto Fin Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Misc. 
XX/XX/XXXX Inquiry from XX/XX/XXXX + Finance XX/XX/XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XX/XX/XXXXInquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation