Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year>XXXX  To : Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Unauthorized Credit Inquiries ( Demand for Permanent Deletion ) To Whom It May Concern, This letter serves as my formal dispute and demand for permanent deletion of multiple unauthorized credit inquiries currently reporting on my Equifax credit file. I have never applied for credit, loans, or any financial services with the companies listed below, nor have I ever given verbal or written consent authorizing them to access or obtain my consumer credit report. 
Unauthorized Inquiries to Be Deleted : XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Under Section 604 ( a ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a credit report to entities that have a permissible purpose, as defined by law. Since I never initiated any applications or business dealings with the entities above, these inquiries lack permissible purpose and were obtained in violation of federal law. 
Legal Grounds for Deletion FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ) : States that a consumer report can only be furnished to a person who has a legitimate business need and permissible purpose initiated by the consumer. These companies did not have such authorization.

FCRA 607 ( a ) ( 15 U.S.C. 1681e ( a ) ) : Requires credit reporting agencies to maintain reasonable procedures to ensure reports are only furnished for permissible purposes. Equifaxs failure to prevent unauthorized access violates this provision.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : Requires that, upon receiving notice of a dispute, the consumer reporting agency must conduct a reasonable reinvestigation and delete any unverifiable or inaccurate information within 30 days.

FACTA 312 ( 15 U.S.C. 1681s-2 ) : Establishes the duty to prevent and correct identity theft-related information and mandates blocking unverifiable or unauthorized data.

FCRA 616617 ( 15 U.S.C. 1681no ) : Establishes civil liability for willful or negligent noncompliance with FCRA provisions, including the failure to delete unverified inquiries.

Demand for Immediate Action I am demanding that Equifax : Immediately delete and permanently block all unauthorized inquiries listed above from my credit report ; Provide written confirmation that these inquiries have been removed and that no reinsertion will occur without full verification and my express written consent as required under FCRA 611 ( a ) ( 5 ) ( B ) ; Identify the specific permissible purpose and supporting documentation provided by each company to justify these inquiries, if Equifax intends to retain them.

Failure to remove these inquiries within the statutory timeframe of 30 days will constitute willful noncompliance under federal law. In that event, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office for enforcement action and potential civil penalties. 
Given the recent federal government shutdown, I am urging Equifax to act expeditiously in good faith to resolve this matter without delay or reliance on external agency intervention. Additionally, my personal information has been compromised in several data breaches including the XXXX XXXX XXXX XXXX, the Equifax Data Breach, and the XXXX  XXXX XXXX further underscoring the need to immediately remove any unauthorized or fraudulent inquiries that could lead to additional identity theft or credit harm. 
Please treat this as a formal dispute under FCRA 611 and respond with written confirmation once the deletion has been completed. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief