Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX. 
Disputing : Formal Demand to Remove Unauthorized Hard Inquiries Under FCRA 1681b I have previously disputed these inquiries and received a generic response stating that they were a factual record of file access. However, I am formally notifying you that your response does not absolve you from your legal obligations under the Fair Credit Reporting Act ( FCRA ). 

The following inquiries were made without my written consent or permissible purpose I am writing to formally dispute and demand the immediate removal of several unauthorized hard inquiries that are appearing on my credit report. Upon reviewing my credit file, I discovered the following inquiries that I never authorized XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCR

A ) 15 U.S. Code 1681b, no entity or financial institution is legally permitted to access my credit report without my direct written authorization or permissible purpose. I have never applied for credit with these companies nor did I authorize these inquiries. As per my legal rights under FCRA 1681b, I am requesting the following :
Proof of written authorization with my signature for each inquiry listed.

If no such proof exists, the immediate deletion of these inquiries from my credit file. 

Furthermore, I am aware that under FCRA 1681i ( a ) ( 5 ) ( A ), Equifax is required to delete or correct any information that can not be verified within 30 days. If these creditors can not provide clear, documented proof of my written authorization, you are required by law to immediately remove these inquiries.

Failure to comply with my legal rights under the Fair Credit Reporting Act will result in me escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing legal action against Equifax for failing to uphold federal consumer protection laws., under FCRA 15 U.S. Code 1681b, no company should pull your credit without your permission. Show me proof of authorization with My signature FCRA VIOLATION NOTICE Under 15 U.S. Code 1681b ( FCRA ), it is illegal for any company, financial institution, or creditor to pull my credit without my explicit written authorization or a clear permissible purpose. Since you claim these inquiries are factual records, I am now demanding you to provide verifiable proof of my written authorization for each inquiry listed.

Your legal obligations under FCRA : FCRA 1681b ( a ) ( 2 ) : No inquiry may appear on my credit report without my direct written consent.

FCRA 1681i ( a ) ( 5 ) ( A ) : If a disputed item can not be verified, you are legally required to delete it within 30 days. 
FCRA 1681b ( f ) : If any company obtained my credit report without my permission, it constitutes a federal violation punishable by law. Provide me with verifiable proof of my signed authorization for each of these inquiries within 30 days. This proof must include a signature, date, and clear consent from me allowing the pull of my credit.

Immediately remove these hard inquiries from my credit report since they were unauthorized and violate FCRA 1681b. Equifax under FCRA 1681n, which allows me to sue for willful non-compliance and seek monetary damages. 
I am not requesting a generic response like the one previously sent stating the inquiries are a " factual record of file access. '' That response is unacceptable. I am specifically demanding either : Clear proof of my written authorization to allow the inquiry. 
The permanent deletion of the inquiries.

Company response to consumer: Closed with explanation