Consumer complaint received 2025-02-08 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: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT INQUIRIES PURSUANT TO FCRA 609, 605, and 623 Dear Experian Dispute Department, I am writing to formally demand the immediate removal and blocking of fraudulent inquiries that have appeared on my credit report due to identity theft as a result of the XXXX data breach. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my rights as follows : FCRA 609 ( 15 U.S.C. 1681g ) I request full disclosure of all information related to the disputed inquiries, including the identity of the entities that requested my credit report and the method by which my personal information was verified.

FCRA 605 ( 15 U.S.C. 1681c ) Negative information, including fraudulent inquiries, must not be reported if they result from identity theft. You are required to block and delete these unauthorized inquiries.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Any entity that furnishes inaccurate or unverifiable information to a credit reporting agency must investigate and correct or delete such information. I demand proof that these inquiries were authorized ; otherwise, they must be removed immediately. 
Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Supporting XXXX XXXX : A copy of my government-issued ID Proof of address FTC Identity Theft Report I expect Experian to investigate, block, and remove these fraudulent inquiries immediately and provide a detailed response outlining the actions taken. If Experian fails to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney generals office, and any other relevant regulatory authorities. 
Please provide written confirmation that these fraudulent inquiries have been permanently deleted from my credit file. If any of the disputed inquiries remain, I demand full documentation verifying that they were legally authorized. 
I expect a resolution within the legally mandated timeframe. Please confirm receipt of this dispute and provide an update as soon as possible. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : ID, Proof of Address, SSC, FTC

Company response to consumer: Closed with explanation