Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
* * Subject : * * Request for Immediate Removal of Unauthorized Credit Inquiries Pursuant to 15 U.S. Code 1681b Dear Experian Dispute Department, I am writing to formally dispute the legitimacy of several inquiries listed on my Experian credit report. After reviewing my file, I have identified multiple inquiries that were made without my knowledge or authorization and do not meet the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S. Code 1681b * *.

Under the FCRA, consumer reporting agencies are prohibited from releasing a consumer 's credit report without a permissible purpose, such as the consumer 's written instruction or in connection with a credit transaction the consumer initiated. I did not authorize the inquiries listed below, nor did I initiate transactions that would justify these hard pulls.

These inquiries are having a negative impact on my credit score and are impairing my ability to secure loans and obtain competitive rates. I therefore request that these inquiries be * * removed immediately * * : -- - * * List of Disputed Inquiries : * * * * * XXXX  XXXX * * XX/XX/XXXX * * * XXXX XXXX  * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX  * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX  * * XX/XX/XXXX * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX * * * XXXX XXXX  * * XX/XX/XXXX * * * XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX XXXX * * XXXX XXXX * * XX/XX/XXXX * * * XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXXs * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX -- - These inquiries are in violation of * * 15 U.S. Code 1681b * * as there is no permissible purpose for accessing my credit file. I request that you conduct a full investigation and remove these inquiries from my report. If Experian believes that any of the listed inquiries were lawfully made, I ask that you provide documentation showing the name of the party that certified a permissible purpose, along with any written authorization from me.

If these inquiries are not removed or properly validated within a reasonable timeframe, I will be forced to escalate this matter by filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * * and other appropriate regulatory bodies. I also reserve the right to pursue legal action for any continued violations of my rights under the FCRA.

Please confirm in writing that these unauthorized inquiries have been removed from my credit report.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation