Consumer complaint received 2025-11-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a formal complaint that Equifax is reporting inaccurate and incomplete credit information. I am distressed that the inquiries listed below are being reported on my Equifax credit file, as they were made without my authorization and without any legitimate business purpose. Equifax has failed to maintain reasonable procedures to assure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ). 

Credit reporting laws require that all information furnished by Equifax must be 100 % accurate, fully verifiable, and reported only when a lawful permissible purpose exists. 

I am requesting that Equifax immediately re-investigate and provide documented proof that these inquiries were authorized by me, including an instrument bearing my signature. If Equifax can not provide such proof, these inquiries must be deleted immediately. 

UNAUTHORIZED INQUIRIES EQUIFAX XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) These inquiries were not authorized by me, were not made for any legitimate business purpose, and violate federal law. Their continued reporting is a serious error that negatively affects my creditworthiness. 

LEGAL VIOLATIONS COMMITTED BY EQUIFAX FCRA 604 ( 15 U.S.C. 1681b ) Permissible Purpose A creditor may only obtain a consumer report for a lawful purpose.

These inquiries do not meet the criteria for a permissible purpose and must be removed.

FCRA 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681g ) I have the right to know the sources and reasons for entries on my credit file.

Equifax has not provided proper verification or documentation showing authorization.

FCRA 611 ( 15 U.S.C. 1681i ) Equifax is legally required to conduct a reasonable reinvestigation and delete any unverifiable information.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Blocking As a documented victim of identity theft, I have the right to have fraudulent inquiries blocked within 4 business days upon providing proper documentation. 

Attached is my FTC Identity Theft Report : FTC Report No. XXXX ( Filed XX/XX/year> ) Equifax must honor this request immediately under federal law. 

HARM CAUSED These unauthorized inquiries have caused : Negative impact on my credit score Loss of financial opportunities Stress and emotional harm Complications due to identity theft Their presence on my file is misleading and unlawful. 

DEMAND FOR IMMEDIATE ACTION I respectfully request that Equifax : Delete the unauthorized inquiries listed above from my credit file. 

Provide a corrected credit report to all creditors who have accessed my file in the past 6 months ( or 2 years for employment ). 

Provide the name, address, and phone number of each entity that made the inquiries. 

Provide a description of the procedure used to determine accuracy, within 15 days of completing the reinvestigation. 

As required under federal law, Equifax has 30 days to complete this reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation