Consumer complaint received 2025-06-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, OH, XXXX XXXX XXXX Date : XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Request for Reinvestigation of Unauthorized Hard Inquiries Under the FCRA To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that are being reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am demanding an immediate reinvestigation and removal of the inquiries listed below, which I did not authorize nor initiate. 

I did not give written consent, nor did I apply for credit with the following companies. These inquiries are adversely impacting my credit profile without a permissible purpose under 15 U.S.C. 1681b ( a ), and thus must be removed. 

TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to 15 U.S.C. 1681b ( c ), hard inquiries can only be made with my explicit written authorization or in connection with a firm offer of credit initiated by me. I did not authorize any of the above inquiries. Reporting these inquiries without my permission is a direct violation of FCRA Section 604 ( a ).

Relevant Case Law : In Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), the court ruled that CRAs must go beyond the original source and conduct a reasonable reinvestigation under 1681i ( a ).

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), further affirmed that entities who access credit reports without permissible purpose may be held liable under the FCRA.

Request for Resolution : I am demanding the following actions under FCRA guidelines : Conduct a full reinvestigation of the listed inquiries. 

Delete any inquiry for which you can not produce verifiable documentation of my written consent or permissible purpose. 

Provide me with an updated copy of my credit report reflecting these deletions. 

Provide me with the names and contact information of each company that verified these inquiries.

If any of the inquiries are verified as accurate, I am requesting the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are required to provide this information within 15 days of the completion of the investigation. The MOV must include a clear description of how the information was verified, the party that verified it, and the procedure used. 
This dispute is being made in good faith, and I expect a prompt response. If this matter is not resolved within 30 days, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I will consider legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possibly filing suit under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation