Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute an unauthorized inquiry on my credit report, which I believe is incorrect and potentially harmful to my credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. 

The inquiry in question is listed as follows : Creditor Name : [ Name of Creditor ] Inquiry Date : [ Date of Inquiry ] I did not authorize this inquiry, nor did I initiate any transaction or application with the aforementioned creditor that would warrant a hard inquiry on my credit report. According to the FCRA, a consumer reporting agency may not furnish a consumer report containing information about an inquiry that was not authorized by the consumer.

Section 604 ( a ) of the FCRA states that a consumer reporting agency may only provide a consumer report under certain circumstances, such as with the consumer 's written authorization. Since I did not provide any authorization for this inquiry, it is considered unauthorized and should be promptly removed from my credit report. 
1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
12. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
14. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
16. Identity Theft XXXX Date of inquiry : XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

17. Identity Theft XXXX Date of inquiry : XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
19. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
20. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
21. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
22. Identity XXXX XXXX Date of inquiry : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
23. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
24. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
25. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. ] I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report. Please inform me in writing of the results of your investigation within 30 days as required by the FCRA.