Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
I am filing this complaint to dispute multiple unauthorized or inaccurately reported XXXX inquiries that have XXXX impacted my credit profile. I have never given explicit, written consent for these companies to access my credit file as required under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX ( c ). Despite repeated disputes with the credit bureaus, these inquiries remain unresolved. 
These XXXX inquiries are XXXX my XXXX XXXX and were either made without my permission, without a legitimate permissible purpose, or are listed in error or duplication. 
Below are the specific inquiries I am disputing : Disputed Inquiries : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX o Issue : No authorization or credit application was submitted to XXXX XXXX XXXX XXXX on or around this date. 
o FCRA Violation : XXXX XXXX XXXX XXXX ( a ) No permissible purpose was granted for this inquiry. 
XXXX XXXX XXXX  XX/XX/XXXX o Issue : I did not authorize XXXX XXXX  to access my credit report. No application was made with them. 
o FCRA Violation : XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) The inquiry lacks legal basis without a consumer-initiated transaction. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX ( Possible duplicate of XXXX XXXX XXXX XXXX ) o Issue : This appears to be a duplicate inquiry for the same creditor as listed above. Multiple pulls on the same day are unjustified. 
o FCRA Violation : XXXX XXXX XXXX XXXX ( a ) ; also, duplicate reporting violates XXXX ( a ). 
XXXX. XXXX XXXXXX/XX/XXXX o Issue : No credit application or account inquiry was authorized with XXXX XXXX XXXX XXXX. 
o FCRA Violation : FCRA XXXX ( a ) ( XXXX ) No legitimate business need exists under the law. 
XXXX. XXXX XXXX XXXX Issue : I did not apply for credit from XXXX on this date. This inquiry is unauthorized. 
o FCRA Violation : XXXX XXXX Code XXXX ( c ) ( XXXX ) ( A ) No written authorization for a firm offer of credit was given. 
XXXX. XXXX XX/XX/XXXX o Issue : I never submitted a credit application to XXXX XXXX XXXX authorized this inquiry. 
o FCRA Violation : FCRA XXXX ( a ) ( XXXX ) ( F ) ( i ) Inquiry lacks a valid consumer relationship or account initiation. 
Laws Violated : FCRA XXXX [ XXXX U.S.C. XXXX ] Credit reports XXXX only be accessed with a permissible purpose and consumer authorization. 
FCRA XXXX [ XXXX XXXX. XXXX ] XXXX has the right to dispute inaccurate information and have it investigated. 
FCRA XXXX [ XXXX XXXX. XXXX ] Willful or negligent noncompliance with the FCRA can XXXX in XXXX 
XXXX Requested : XXXX deletion of all the unauthorized or erroneous XXXX inquiries listed above from my credit reports with XXXX XXXX XXXX 
A formal investigation into how these inquiries were initiated without my consent. 
Written confirmation of results from each credit bureau and a copy of the revised credit report. 
If these inquiries are found to be fraudulent, notify the furnishers and restrict further access to my credit file. 
Attached Supporting Documents : Copy of my photo ID Copy of proof of address Highlighted credit report showing disputed inquiries Thank you for your attention to this serious matter. I trust that your office will ensure my rights under federal law are upheld.

Company response to consumer: Closed with explanation