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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding multiple unauthorized and inaccurate hard inquiries on my credit report. These inquiries were not initiated or approved by me, and I strongly believe they were made without a permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ) 604.

I did not apply for credit, authorize any lender, or give written consent to any of the below institutions on or around the dates of these inquiries. As a result, they represent a serious violation of my rights as a consumer. 
Each inquiry listed below contains specific details of the issue associated with it. 
Disputed Inquiries with XXXX : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized credit pull ; I did not apply for any vehicle financing. 
XXXX. XXXX XX/XX/XXXX XXXX credit card application submitted ; inquiry was unsolicited. 
XXXX. EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX Business inquiry misattributed to personal report ; not authorized. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX interaction with this dealership ; inquiry is suspicious. 
XXXX XXXX XXXXXX/XX/XXXX Duplicate pull ; I never gave permission. 
XXXX. XXXX XX/XX/XXXX No credit request initiated; likely dealer submittal without my approval. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX No account applied for ; unauthorized inquiry. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never visited or applied at this dealership. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; still unauthorized. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Never gave consent for any loan or financing with this entity. 
XXXX. XXXX XXXX XX/XX/XXXX Did not apply for any auto loan or account. 
XXXX. XXXX XXXX XX/XX/XXXX No vehicle purchase or loan application submitted. 
XXXX XXXX XXXX XXXXXX/XX/XXXX No credit activity initiated ; unauthorized pull. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX done without my request or approval. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX No contact made ; unauthorized use of my credit. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX I have no account or interaction with them ; no application submitted. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX I did not seek credit with this company ; inquiry is invalid. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX unauthorized. 
XXXX. XXXX XX/XX/XXXX Redundant inquiry, no application made or consent provided. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX No auto finance application submitted ; inquiry unauthorized. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX dealership inquiry ; unauthorized repetition. 
XXXX. XXXX XX/XX/XXXX No financial dealings ; unauthorized credit pull. 
XXXX. XXXX XX/XX/XXXX I did not initiate or authorize this auto loan inquiry. 
XXXX. XXXX XX/XX/XXXX Did not apply for a XXXX credit card. 
XXXX. XXXX XX/XX/XXXX Unknown lender ; no application filed. 
XXXX XXXX XXXX XX/XX/XXXX Ambiguous source ; no permission given for inquiry. 
XXXX. XXXX XX/XX/XXXX No known connection or account ; unauthorized access. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX I have never been a member ; no consent granted. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Credit report accessed without my knowledge. 
XXXX XXXX XXXXXX/XX/XXXX No application submitted ; inquiry is invalid. 
XXXX. XXXX XXXX XX/XX/XXXX No dealership interaction or credit request. 
XXXX. XXXX XX/XX/XXXX Never applied for a TRACG card ; unauthorized. 
XXXX. XXXX XXXX XX/XX/XXXX I have no relationship with this dealership. 
XXXX. XXXX XX/XX/XXXX XXXX of above ; both unauthorized. 
XXXX. XXXX XX/XX/XXXX Did not apply for financing or request a quote. 
Applicable Law References : FCRA 604 ( a ) ( 3 ) : No permissible purpose for many inquiries listed FCRA 607 ( b ) : Credit bureaus failed to ensure inquiries were accurate FCRA 611 ( a ) : My right to dispute inaccurate or unauthorized inquiries Requested Relief : I respectfully request the CFPB to investigate and ensure the removal of all the above unauthorized inquiries from my credit reports. These entries have harmed my credit score and caused unnecessary emotional and financial distress.

If unresolved, I may seek legal recourse under FCRA 616 and 617, which allow for damages due to willful or negligent noncompliance.

Company response to consumer: Closed with explanation