Consumer complaint received 2025-09-01 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:
Dispute Letter to Equifax Inaccurate & Unauthorized Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Inaccurate and Unauthorized Credit Inquiries Request for Immediate Deletion Dear Equifax, I am writing to formally dispute several credit inquiries that appear on my Equifax credit file dated XX/XX/XXXX ( MyScoreIQ Report # XXXX ). These inquiries are inaccurate, incomplete, misleading, and in some cases, unauthorized. They also fail to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards established by the Consumer Data Industry Association ( CDIA ). 
The disputed inquiries include : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Issues Identified 1. Incomplete/Truncated Names ( FCRA 609 ( a ) ( 3 ) ) : Inquiries are listed with abbreviations and slashes ( e.g., XXXX ), rather than full legal entity names. This prevents me from being able to clearly identify the inquiring party, in violation of the FCRAs disclosure requirements. 
2. Lack of Permissible Purpose ( FCRA 604 ) : I have no account, application, or relationship with XXXX XXXX XXXX XXXX, making that inquiry unauthorized. 

The duplicate XXXX XXXX pulls ( XX/XX/XXXX and XX/XX/XXXX ) suggest my file was accessed more than once for a single application. At least one of these pulls was without permissible purpose.

If these were marketing/prescreen inquiries, they should have been coded as soft pulls under Metro 2 , not reported as hard inquiries that harm my score.

3. Misleading / Inaccurate Reporting ( FCRA 607 ( b ) ) : Multiple inquiries from the same creditor within days are misleading and create the false impression I sought multiple accounts. 

Abbreviations and cryptic coding ( e.g., XXXX ) do not represent maximum possible accuracy as required by law. 
XXXX. XXXX XXXX Compliance Violations : Missing proper inquiry type codes ( hard vs soft ).

Improper creditor identifiers instead of full trade names.

Inconsistent industry code application.

These defects render the reporting non-compliant with CDIA Metro 2 standards.

Legal Authority FCRA 604 ( 15 U.S.C. 1681b ) : Prohibits inquiries without permissible purpose.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires maximum possible accuracy in reporting.

FCRA 609 ( a ) ( 3 ) ( 15 U.S.C. 1681g ) : Requires disclosure of the inquiring partys full identity.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires deletion of unverifiable or unauthorized information.

CDIA Metro 2 Standards : Require proper coding, creditor identification, and classification of inquiries.

Requested Action Pursuant to the FCRA and my rights as a consumer : 1. 2. 3. Delete all disputed inquiries listed above from my Equifax credit file, unless Equifax can provide verifiable documentation proving each inquiry was authorized by me and had a valid permissible purpose.

Provide written confirmation of deletions or corrections within 30 days, as mandated by law.

If Equifax maintains these inquiries are valid, provide documentation of my signed authorization and the specific permissible purpose claimed for each pull.

Conclusion These inquiries are damaging to my credit profile and were reported in violation of the FCRA and Metro 2 standards. If they are not removed promptly, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Better Business Bureau ( BBB ), and other regulatory authorities. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation