Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am filing this formal complaint against Equifax for reporting multiple unauthorized and unverifiable hard inquiries on my consumer credit report, which I never authorized, initiated, or consented to. These inquiries have negatively affected my credit score and do not reflect any application or business transaction I engaged in. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal protections to request immediate action, removal, and investigation of these inquiries. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry Law Violated : FCRA 604 ( a ) ( 3 ), FCRA 607 ( b ), FCRA 611 ( a ) Explanation : I did not apply for any credit or services from XXXX XXXX on or around this date. This hard inquiry is causing unwarranted damage to my credit profile. XXXX  failed to verify my authorization for this pull before placing it on my report. This is a violation of my consumer rights. 
XXXX XX/XX/XXXX Issue : Inaccurate and unauthorized inquiry Law Violated : FCRA 604, FCRA 607 Explanation : XXXX XXXX was not authorized to pull my credit. This entry is inaccurate and harmful to my creditworthiness. XXXX XXXX inclusion of this inquiry without verification shows disregard for their legal duties under federal law. 
XXXX XX/XX/XXXX Issue : Unapproved credit pull Law Violated : FCRA 604 ( a ) ( 2 ), 604 ( a ) ( 3 ) ( A ) Explanation : I am not a member of XXXX XXXX XXXX XXXX, nor did I authorize a credit pull. This inquiry is both damaging and inaccurate. Reporting such data without due diligence violates FCRA obligations. 
XXXX XXXX XX/XX/XXXX Issue : Duplicate and unauthorized inquiry Law Violated : FCRA 604, 607 ( b ) Explanation : This is a duplicate or recurring unauthorized inquiry from XXXX XXXX. I never consented to multiple credit pulls, and such repeated entries are damaging and misleading. 
XXXX XX/XX/XXXX Issue : Unverified and unauthorized hard pull Law Violated : FCRA 604 ( a ), 607 Explanation : This inquiry appears to be a third version of the same XXXX XXXXXXXX credit pull, all unauthorized. It is suspicious and unacceptable that XXXX  continues to allow this level of duplication and unauthorized access.

Summary of Violations and Request for Resolution : XXXX  is in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ) by : Reporting inquiries without permissible purpose ( 604 ) Failing to maintain reasonable procedures to ensure maximum possible accuracy ( 607 ) Not investigating or correcting disputed items ( 611 ) These unauthorized and unverifiable hard inquiries have directly caused damage to my credit score, mental distress, and financial harm due to reduced creditworthiness and credibility. I request immediate removal of all the inquiries listed above from my XXXX  report and demand an investigation be conducted into how these inquiries were allowed without consumer authorization.

Company response to consumer: Closed with explanation