Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing you in good faith that you will assist me better than your associates have over the past month. I was involved in the Equifax Breach both times with XXXX and this year currently and I have checked my personal credit report, which I acquired from your organization through my free reports for the year on XXXX XXXX and XXXX XXXX, XXXX I noticed multiple unauthorized inquiries had been made. 
I have contacted the creditors, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile and they told me to reach out to the credit bureau which I have done over and over multiple times going in circles. 
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately Unauthorized Inquiries : The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as theaccuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would  like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would  like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of Inquiry : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Date of Inquiry : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of Inquiry : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of Inquiry : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Date of Inquiry:XX/XX/XXXXExplanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 . If you have no proof immediately of any or one, I would like it removed immediately.

Total : XXXX Inquiries as you can see on my report some were done multiple times on different dates I NEVER authorized this and they have never provided my written signature documented anywhere at from the creditor which when I called they did not have it and had no record of it so I was clearly effected and Equifax notified me I was effected by the breach offering me free monitoring for a year but will not help me correct this issue I have called well over 5 times to Equifax with no results or help letting them know of the situation,

Company response to consumer: Closed with explanation