Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute multiple unauthorized hard inquiries reported by Equifax on my credit report. Despite repeated attempts to resolve this issue directly with Equifax, they have failed to provide any proof of authorization, including my signature or any other documentation verifying that I consented to these inquiries. Their failure to properly investigate and remove these inquiries is negatively impacting my credit profile, and I am requesting the CFPBs assistance in enforcing my rights under federal law. 

The following unauthorized hard inquiries appear on my Equifax credit report : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ) XX/XX/year> XXXX  XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Legal Basis for My Dispute Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any inaccurate or unauthorized information on my credit report. The FCRA requires credit reporting agencies, including Equifax, to conduct a reasonable reinvestigation and provide actual proof of authorization when a consumer disputes an inquiry. If Equifax can not verify these inquiries with signed proof of my consent, they are obligated to delete them from my credit file. 

Despite multiple disputes and requests for validation, Equifax has failed to provide any tangible evidence that I authorized these inquiries. Their inaction constitutes a violation of FCRA 1681i ( a ) ( 5 ) ( A ), which mandates that inaccurate or unverifiable information be removed from a consumers credit report. 

Supporting Documentation I have attached the following documents to support my dispute : A copy of my FTC Identity Theft Report documenting the disputed inquiries. 
A copy of my government-issued identification ( Drivers License/Passport ). 
A document containing my Social Security Number ( for verification purposes ).

A utility bill or bank statement as proof of my current address.

Request for CFPB Action I respectfully request that the CFPB investigate Equifaxs failure to comply with the FCRA and ensure that they either : 1. Provide direct, verifiable proof ( such as a signed credit application ) that I authorized each of these inquiries, OR 2. Delete all unauthorized inquiries that they can not properly verify. 

These unauthorized inquiries are negatively impacting my credit score and financial opportunities. I urge the CFPB to take appropriate action against Equifax to enforce compliance with federal law. 

Thank you for your prompt attention to this serious matter. If you require any additional information, please feel free to contact me via phone or email at your convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation