Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
Inquiry Deletion Demand Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To : Equifax XXXX XXXX, XXXX XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX NOTICE AND DEMAND FOR REMOVAL OF UNAUTHORIZED INQUIRY To Whom It May Concern : This letter is a formal dispute of unauthorized hard inquiries appearing on my consumer credit report. I did not grant consent, authorization, or provide any permissible purpose for these inquiries, nor do they meet the requirements of the Fair Credit Reporting Act ( FCRA ) or XXXX XXXX reporting standards. 

FCRA XXXX XXXX XXXX Violations FCRA 604 [ 15 U.S.C. 1681b ] : A consumer report may only be accessed for permissible purposes. These inquiries do not meet any lawful criteria.

FCRA 611 [ 15 U.S.C. 1681i ] : You are required to reinvestigate disputed information and delete unverifiable data within 30 days. If the furnisher can not verify permissible purpose, the inquiry must be deleted.

FCRA 623 [ 15 U.S.C. 1681s-2 ( a ) ] : Furnishers have a duty to report accurate information. Reporting unverifiable inquiries violates this provision. 
XXXX XXXX Standards : The XXXX XXXX XXXX guidelines mandate that only accurate, complete, and verifiable information may be reported. An inquiry without consumer consent or permissible purpose fails compliance. 

Specific Inquiries in Dispute Please remove the following unauthorized inquiries from my credit file : Transunion : Inquiry XXXX Date of Inquiry XXXX View Details Inquiry XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX View Details Equifax : Inquiry XXXX Date of Inquiry XXXX Experian : nquiry XXXX XXXX  XXXX Date of Inquiry XXXX View Details Inquiry XXXX... 
Date of XXXX XXXX View Details Inquiry XXXX XXXX... 
Date of XXXX XXXX View Details Inquiry XXXX XXXX... 
Date of XXXX XXXX View Details Inquiry XXXX... 
Date of XXXX XXXX View Details Inquiry XXXX XXXX... 
Date of Inquiry XXXX View Details Inquiry XXXX XXXX  Date of Inquiry XXXX View Details Inquiry XXXX XXXX... 
Date of Inquiry XXXX View Details Inquiry XXXX XXXX Date of Inquiry XXXX View Details Inquiry XXXX XXXX  Date of Inquiry XXXX View Details Inquiry XXXX XXXX XXXX 
Date of Inquiry XXXX View Details Legal Liability FCRA 616 & 617 [ 15 U.S.C. 1681n, 1681o ] : Noncompliance subjects you to civil liability, including actual damages, statutory damages, punitive damages, and attorneys fees.

FCRA 619 [ 15 U.S.C. 1681q ] : Criminal liability for obtaining consumer information under false pretenses.

Demand for Resolution Immediate Deletion : Remove the unauthorized inquiries listed above from my credit file. 
Written Confirmation : Provide written confirmation of deletion within 30 days. 
Compliance Certification : Provide proof of the furnishers certification of permissible purpose for each inquiry. If none exists, deletion is mandatory. 

Failure to Comply If you fail to comply with these demands, I will : File formal complaints with the CFPB, FTC, and my State Attorney General. 
Pursue legal remedies in court seeking actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees.

Enclosures Copy of my government-issued ID.

Proof of address ( utility bill ). 
Credit report with unauthorized inquiries highlighted. 

This letter serves as my final notice and dispute. Failure to act will result in immediate escalation. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation