Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On my credit report, there are several unauthorized hard inquiries that I did not approve or give consent for. These hard inquiries have negatively affected my credit score. I contacted Equifax through their dispute process, requesting the removal of these inquiries since they were not authorized by me. However, Equifax has refused to remove the inquiries and has not provided any proof of my authorization for these inquiries, which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681b.

The following are the hard inquiries in dispute : XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Date of Inquiry :  XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX Despite filing formal disputes for each of these inquiries, Equifax has failed to remove them or provide any documentation proving that I authorized these hard inquiries. I am seeking the immediate removal of these inquiries as they are unauthorized and in violation of the FCRA. 

On my XXXX credit report, there are several unauthorized hard inquiries that I did not approve or give consent for. These hard inquiries have negatively affected my credit score. I contacted XXXX through their dispute process, requesting the removal of these inquiries since they were not authorized by me. However, XXXX has refused to remove the inquiries and has not provided any proof of my authorization for these inquiries, which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681b.

The following are the hard inquiries in dispute : XXXX. XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX  - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX Despite filing formal disputes for each of these inquiries, XXXX has failed to remove them or provide any documentation proving that I authorized these hard inquiries. I am seeking the immediate removal of these inquiries as they are unauthorized and in violation of the FCRA.

Company response to consumer: Closed with explanation