Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
I am the duly recorded fiduciary and Attorney-in-Fact for multiple trusts under IRS CAF authority ( CAF Nos . XXXX, XXXX, XXXX, XXXX, XXXX ). My fiduciary standing is documented with the IRS ( TC 960 Power of Attorney/Tax Information Authorization on file ).

On my Equifax credit report dated XX/XX/XXXX, there are over 31 unauthorized hard inquiries posted in violation of the Fair Credit Reporting Act. These inquiries were never authorized by me nor by any fiduciary agent acting under proper authority. They represent impermissible pulls with no permissible purpose under 15 U.S.C. 1681b ( f ).

List of Unauthorized Inquiries by Furnisher and Date : List of Unauthorized Inquiries by Furnisher and Date : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( 3 entries ), XXXX. XXXX, XXXX ( 2 entries ), XXXX XXXX, XXXX ( 1 entry ) 6 total XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ( 3 entries ) ; XXXX XXXX, XXXX 6 total XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX. XXXX, XXXX 3 total XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX. XXXX, XXXX 3 total XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX 3 total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 via Dealer XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX These 31+ inquiries were generated without my knowledge, consent, or signed credit application. Equifax has allowed multiple entries on the same day from the same entity ( e.g., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ), which is clear evidence of systemic abuse. No permissible purpose under FCRA exists. 

This has caused irreparable harm to the beneficiary, XXXX XXXX XXXX, by damaging creditworthiness, obstructing fiduciary duties, interfering with trust property management, and creating financial and emotional distress.

Legal Violations 15 U.S.C. 1681b ( f ) Impermissible purpose 15 U.S.C. 1681i ( a ) Duty to reinvestigate 15 U.S.C. 1681n, 1681o Civil liability ( statutory + punitive damages ) 18 U.S.C. 1341, 1343 Mail and wire fraud 26 U.S.C. 7433 Fiduciary obstruction and civil damages Relief Requested I demand that the CFPB compel Equifax to : Immediately delete all unauthorized inquiries listed above.

Provide written certification of deletion and an updated credit file.

Identify the employees and furnishers who certified permissible purpose for each inquiry.

Confirm that no future inquiries will be reported without fiduciary authorization under CAF authority.

This complaint is made under penalty of perjury pursuant to 28 U.S.C. 1746. I have issued a formal demand to Equifax with a 24-hour correction deadline. Their failure to comply demonstrates willful misconduct requiring urgent CFPB enforcement.

Company response to consumer: Closed with explanation