Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized and suspicious hard inquiries appearing on my credit report without my knowledge or consent. These inquiries are negatively affecting my credit score and causing me undue emotional and financial harm. I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated.

According to FCRA 604 ( a ) ( 3 ), a permissible purpose must exist before any company accesses my credit file. I have not authorized any loan application, financing, or credit approval with the companies listed below on the stated dates. Many of these inquiries occurred on the same day, suggesting either identity theft, data misuse, or predatory behavior by car dealerships and finance companies performing mass inquiries without consent. 
Despite not giving written or verbal authorization to any of these companies, the following unauthorized hard inquiries have been recorded : List of Disputed Inquiries & Associated Violations 1. XXXX XX/XX/XXXX Violation : FCRA 604 ( a ) ( 3 ), 609 ( a ), 610 No permissible purpose, no disclosure. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA 604 Unauthorized access without consumer consent. 
XXXX. XXXX XX/XX/XXXX Violation : FCRA 609 No disclosure provided to me for this inquiry. 
XXXX. XXXX XX/XX/XXXX Violation : FCRA 604 & 610 No permissible purpose for inquiry. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Violation : FCRA 604 No authorization or signed application was submitted. 
XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX Violation : FCRA 604 & 611 Improper access and not removed after dispute. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Violation : FCRA 604 ( a ) ( 3 ) No permissible purpose or authorization. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA 604 No business relationship exists to justify this inquiry. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA 609 No explanation or disclosure provided. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Violation : FCRA 604 & XXXX No consent granted. 
XXXX. XXXX XXXX XX/XX/XXXX Violation : FCRA 604 I did not authorize any auto loan or dealership inquiry. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA 604 No signed application or communication exists. 
XXXX. XXXX XX/XX/XXXX Violation : FCRA 604 Inquiry made without my request or knowledge. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Violation : FCRA 604 No permissible purpose for this access. 
XXXX. XXXX XXXX XX/XX/XXXX Violation : FCRA 604 & 611 No loan application submitted. 
XXXX. XXXX XXXX XX/XX/XXXX Violation : FCRA 604 No prior relationship, no authorization. 
XXXX. XXXX XXXX XX/XX/XXXX Violation : FCRA 604 No consent provided for this hard pull. 
Summary of Impact : These hard inquiries are damaging my credit score and creating a false impression of credit-seeking behavior. I believe these companies have pulled my credit report either due to misuse of my personal information, third-party sharing, or as part of mass submissions by auto dealerships. I had no knowledge of or agreement with these companies to perform a credit check on the said dates. 
Requested Relief & Resolution : 1. Immediate removal of the unauthorized hard inquiries from all credit bureaus. 
2. Full reinvestigation under FCRA 611 of how and why these inquiries were allowed. 
XXXX. Written explanation from each company showing proof of permissible purpose and signed consent. 
4. Corrective actions against any entities found violating consumer reporting rules.

Applicable Laws Violated : FCRA 604 ( a ) ( 3 ) Permissible purpose for pulling a consumer report FCRA 609 ( a ) ( 1 ) Right to full disclosure of what is in the file FCRA 610 Conditions and form of disclosure FCRA 611 ( a ) Procedure in case of disputed accuracy Conclusion : As a consumer, I have the right to privacy, accuracy, and fairness in the handling of my credit information. These inquiries have caused not only a credit score drop but also stress and confusion. I am requesting the CFPB to intervene and investigate these violations and ensure that my consumer rights are fully restored and protected.

Company response to consumer: Closed with explanation