Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Discrepancy in Credit Inquiries and Potential Identity Theft Investigation Dear XXXX, I am writing to formally dispute several credit inquiries listed on my XXXX credit report, as well as to request an investigation into potential identity theft. Upon review of the credit inquiries across XXXX and XXXX, I noticed multiple inquiries listed from various auto financing companies and financial institutions. I have not authorized these inquiries and they appear to be fraudulent. 

The following inquiries listed on XXXX are disputed : Disputed Inquiries on XXXX : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Miscellaneous Finance XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX XXXX  Date of Inquiry : XX/XX/XXXX Type of Business : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Dealers, New XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing Disputed Inquiries on XXXX : XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX  Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX  Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Dealers, Used XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Credit Unions XXXX Date of Inquiry : XX/XX/XXXX Type of Business : XXXX XXXX XXXXXXXX  XXXX  Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX  Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX XXXX  Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX XXXX  Date of Inquiry : XX/XX/XXXX Type of Business : All Banks XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Miscellaneous Finance XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Type of Business : Credit Unions XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Dealers, Used XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Credit Unions XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Dealers, XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Business : Auto Financing XXXX  Date of Inquiry : XX/XX/XXXX Type of Business : Credit Unions XXXX  Date of Inquiry : XX/XX/XXXX Type of Business : Auto Loans Concerns : These inquiries suggest fraudulent activity on my credit file. I have not authorized any of the credit checks listed above and believe that this may be an instance of identity theft. 
The inconsistency in reporting across XXXX and XXXX is particularly concerning, as the same inquiries appear on one bureau but not on the other. This discrepancy raises further concerns about the legitimacy of these inquiries. 
Request for Action : Investigate these inquiries to verify if they were authorized by me. If these inquiries were unauthorized, I request that they be removed from my credit report immediately. 
Cross-reference the inquiries across XXXX, XXXX, and Equifax to ensure uniform reporting and identify any discrepancies or errors. 
Notify me in writing of the results of your investigation and provide documentation of the steps taken to correct this issue. 
Secure my credit to prevent further unauthorized inquiries or access. 
Enclosures : FTC Identity Theft Report, dated XX/XX/XXXX ( FTC Report Numbers : XXXX, XXXX, XXXX, and XXXX ). 
Law Enforcement Report ( Case number : XXXX ). 
Proof of Identity ( e.g., Drivers License, State ID ). 
Signed Statement confirming that I did not authorize the listed inquiries. 
Please address this dispute as required under the Fair Credit Reporting Act ( FCRA ) and respond within the 30-day time frame. I trust that you will take prompt action to ensure the accuracy and security of my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief