Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
Final Demand Removal of Unauthorized Inquiries Under FCRA 609 | FTC Complaint Filed | Legal Action Pending __________ This is a final notice and demand for the immediate removal of unauthorized and unverified hard inquiries from my credit report. These inquiries were not initiated or authorized by me and therefore violate my rights under the Fair Credit Reporting Act ( FCRA ) .__________ On XX/XX/XXXX, I submitted a certified mail request for a reinvestigation of the following unauthorized inquiries, pursuant to FCRA 609 ( a ) ( 1 ) and 611 ( a ). That request was delivered and signed for, as confirmed by Certified Mail Return Receipt.__________ The following inquiries remain on my credit report : ___ XXXX. Reported Inquiry : XXXX XXXX XXXX Reported Date : XX/XX/XXXX, XXXX Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX BANK XXXX Reported Date : XX/XX/XXXX, XXXX Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX Reported Date : XX/XX/XXXX, XXXX Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX NA ___ Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove XXXX XXXX. Reported Inquiry : XXXX ___ Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX  XXXX XXXX  ___ Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX XXXX  ___ Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove XXXX XXXX. Reported Inquiry : XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX ___ Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove XXXX XXXX. Reported Inquiry : XXXX XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove XXXX XXXX. Reported Inquiry : XXXXXXXX XXXX  ___ Reported Date : XXXX XXXX, XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove XXXX XXXX. Reported Inquiry : XXXX XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ XXXX. Reported Inquiry : XXXX XXXX XXXX Reported Date : XX/XX/XXXX ___ Dispute : Inquiry not mine___ Dispute : Identity Theft___ Demanded Action : Block and Remove immediately__________ You have now exceeded the 30-day time frame required by federal law to respond to a re-investigation request. In addition, you have failed to provide any documentation or evidence showing that I authorized these inquiries or that they were made with a valid permissible purpose under FCRA 604.__________ As a result of your continued noncompliance, I have formally filed a complaint with the Federal Trade Commission ( FTC ) for violations of the FCRA.__________ If these unverified inquiries are not immediately removed from my credit report within 10 business days, I will proceed with civil legal action under FCRA 616 ( 1681n ) for willful noncompliance and 617 ( 1681o ) for negligent noncompliance. I will also seek statutory damages, attorneys fees, and punitive damages where applicable.__________ You are now fully liable for your failure to comply with federal law. This letter is being sent in good faith and serves as legal documentation of your continued disregard of my consumer rights.__________ FTC XXXX # XXXX

Company response to consumer: Closed with non-monetary relief