Consumer complaint received 2024-12-06 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 submitting this complaint regarding inaccurate and unauthorized inquiries reported on my Equifax credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Equifax, they remain on my credit report, negatively impacting my credit score and overall creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, Equifax has violated its legal obligation to maintain accurate and reliable consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, Equifax has failed to conduct a proper investigation or remove the inaccurate inquiries. 

These unauthorized inquiries are causing undue harm to my credit profile and XXXX result from identity theft or other unauthorized activities. XXXX failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my Equifax credit report and assurance that Equifax will take appropriate steps to prevent similar inaccuracies in the future. 

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore the accuracy and integrity of my credit report. 

XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX  ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX. 
( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX AUTOS XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX AUTOS XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX AUTOS XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX XXXX  DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX

Company response to consumer: Closed with explanation