Consumer complaint received 2025-11-13 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: MD

Complaint narrative:
I am filing this complaint for multiple unauthorized hard inquiries that appeared on my credit report without my consent or permissible purpose as required by the Fair Credit Reporting Act ( FCRA 604 ( a ) ( 3 ) ). These items have damaged my credit score and violated my consumer rights. I request immediate investigation and permanent removal. 

XXXX XXXX XXXXXX/XX/XXXX This was never authorized by me and remains unverified despite prior disputes. Under FCRA 604 ( a ) ( 2 ) and 607, a consumer reporting agency can not furnish my credit report to any entity without my written permission or legitimate business need. I never applied for credit with this company, and the lack of supporting documentation proves this entry is inaccurate and unlawfully reported. The continued presence of this item violates FCRA 611 ( a ) ( 5 ) ( A ) and must be deleted immediately. 

XXXX XX/XX/XXXX This entry is unverified and unauthorized. FCRA 604 and 609 ( a ) ( 1 ) ( A ) require proof of permissible purpose and consumer consent, neither of which has been provided. Each time I disputed this account, no documentation was furnished confirming I initiated this credit pull. Reporting such an inquiry without evidence constitutes negligence and noncompliance with federal law, requiring its deletion. 

XXXX XXXX XX/XX/XXXX This does not belong to me. I did not authorize XXXX XXXX to access my credit report, and no application exists with my signature. Under FCRA 604 ( a ) ( 3 ) ( A ), any access to my credit file must be tied to a legitimate transaction initiated by me, which did not occur. Continued reporting of this unverifiable entry shows disregard for 611 ( b ) and demands deletion. 

XXXX XXXX XXXXXXXX XX/XX/XXXX I have never had any dealings or applications with XXXXXXXX XXXX XXXX. This violates FCRA 604 ( a ) ( 2 ) as there was no permissible purpose. Under 607 ( b ), you are required to ensure the accuracy and integrity of all information reported. Since no evidence has been provided linking this item to me, it must be permanently removed from my file. 

XXXX XXXX XXXX XX/XX/XXXX This entry is unverified and unauthorized. According to FCRA 604 and 611, the bureau must verify with the creditor that a signed authorization or legitimate business reason existed for the pull. Since I have received no verification in previous disputes, this remains inaccurate and must be deleted in compliance with federal law. 

XXXX XXXX XX/XX/XXXX I have disputed this multiple times, yet no proof of authorization has been supplied. Under FCRA 609 ( a ) ( 1 ) ( A ), I am entitled to a full disclosure of the source of information, and your failure to provide it confirms noncompliance. This was not initiated by me and violates 604 ( a ) ( 2 ) ; immediate deletion is required. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This is being falsely reported. I have never given XXXX XXXX XXXX permission to access my credit profile, and under FCRA 604 and 607, this is an impermissible pull. Since no signed or documented consent exists, you must delete this for failing verification under 611 ( a ) ( 5 ) ( A ). 

DEPT OF ED XX/XX/XXXX This continues to appear on my report without any authorization or application record. FCRA 604 ( a ) ( 2 ) clearly prohibits the use of consumer reports without permissible purpose. Since your bureau has failed to provide evidence of my consent, this entry is inaccurate and must be deleted. 

XXXX XXXX XX/XX/XXXX I never authorized this credit pull. Each time I requested validation under FCRA 609 ( a ) ( 1 ) ( A ), no written proof was provided. Continued reporting after failure to verify constitutes willful noncompliance under 616 and 617, and this must be removed immediately. 

DEPT OF ED XX/XX/XXXX This is reported in error and remains unverified after multiple disputes. FCRA 604 and 611 require your agency to confirm permissible purpose and authorization. Since you have failed to supply that documentation, this violates my rights under federal law and must be deleted immediately. 

These items were done without my consent and violate multiple FCRA provisions. I request that CFPB investigate these companies and ensure full removal from my credit report.

Company response to consumer: Closed with explanation