Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding multiple unauthorized and inaccurate hard inquiries that have been reported on my credit file without my knowledge, consent, or permissible purpose. These inquiries have severely impacted my creditworthiness, and I believe they are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 604 ( 15 U.S. Code 1681b ), which states that a consumer report may only be accessed with a permissible purpose and explicit consent from the consumer.

I respectfully request a full investigation into the following inquiries, which I believe were fraudulent or inaccurately reported on my credit report : List of Disputed Inquiries : 1. XXXX XXXX XXXX XXXXXX/XX/XXXX No authorization provided. No credit application submitted. 
Violation : FCRA 604 ( a ) ( 3 ) 2. XXXX XXXX XXXX XX/XX/XXXX No business relationship initiated. This inquiry was made without consent. 
Violation : FCRA 604 ( a ) ( 3 ) ( A ) 3. XXXX XX/XX/XXXX Never applied for a XXXX account. This constitutes a false inquiry. 
Violation : FCRA 604 ( a ) ( 2 ), 604 ( f ) 4. XXXX ( XXXX ) XX/XX/XXXX No credit interaction with XXXX. I did not authorize any pull. 
Violation : FCRA 604 ( a ) ( 3 ) ( A ) 5. XXXX ( XXXX XXXX ) XX/XX/XXXX No application submitted to XXXX. Inquiry should not have been made. 
Violation : FCRA 604 ( b ) ( 2 ) 6. XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX No credit engagement with XXXX. Inquiry was made without consent. 
Violation : FCRA 604 ( f ) 7. XXXX XXXX ( No date listed ) Never applied for a card with XXXX XXXX. Inquiry is unauthorized. 
Violation : FCRA 604 ( a ) ( 3 ) ( F ) ( ii ) 8. XXXX XX/XX/XXXX No application or authorization given for XXXX XXXX to pull credit. 
Violation : FCRA 604 ( a ) ( 3 ) ( A ) 9. XXXX XXXX XX/XX/XXXX I did not request or initiate any business with XXXX XXXX XXXX XXXX XXXX 
Violation : FCRA 604 ( a ) ( 3 ) ( A ) 10. XXXX XXXX XX/XX/XXXX No account application submitted. Inquiry is unverified. 
Violation : FCRA 604 ( b ) 11. XXXX XXXX XX/XX/XXXX Unknown entity. I never gave consent to this company. 
Violation : FCRA 604 ( a ) 12. XXXX  XX/XX/XXXX Duplicate inquiry same day, suggesting possible abuse or error. 
Violation : FCRA 604 ( a ), 605B 13. XXXX XX/XX/XXXX I did not apply for any credit account with XXXX XXXX XXXX 
Violation : FCRA 604 ( a ) ( 3 ) ( A ) 14. XXXX XXXX  XX/XX/XXXX No prior dealings with this institution. Inquiry not authorized. 
Violation : FCRA 604 ( a ) 15. XXXX XXXX XX/XX/XXXX This appears to be a duplicate or misrepresented inquiry. No permission given. 
Violation : FCRA 604 ( a ) ( 3 ) Impact on Consumer : These inquiries have had a negative impact on my credit score and overall profile, making it difficult to qualify for financial opportunities. I did not initiate any credit applications corresponding to these inquiry dates, nor did I give written or verbal authorization to the listed entities.

Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I have the right to request a reinvestigation of these inaccurate inquiries. Additionally, under 604 ( c ), my credit file should only be accessed with proper consumer authorization, which did not occur in these cases.

Resolution Requested : Immediate deletion of all the inquiries listed above from my credit report.

Confirmation of the investigation results and source of each inquiry.

Assurance that these unauthorized access attempts are not repeated.

If these entities can not provide documented proof of authorization, the inquiries must be permanently removed under FCRA 611 ( a ) ( 5 ).

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly. The continuous reporting of inaccurate and unauthorized information constitutes negligence or willful noncompliance on the part of data furnishers and CRAs.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation