Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Dear Equifax, I am writing to dispute the presence of unauthorized hard inquiries on my credit report. Upon reviewing my credit report, I have identified several hard inquiries that I did not authorize or recognize. These inquiries are negatively impacting my credit score and financial standing. 

List of Unauthorized Hard Inquiries : XXXX. XXXX XXXX XXXX  - Inquired on XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  - Inquired on XX/XX/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  XX/XX/XXXX XXXX. XXXX - XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX - XXXX on XXXX XXXX, XXXX XXXX. XXXX - Inquired on XXXX XXXX, XXXX XXXX. XXXX - XXXX XXXX- Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. US DEPARTMENT OF EDU - Inquired on XX/XX/XXXX I have not provided consent for these companies or institutions to access my credit report, and I believe these inquiries are unauthorized. Furthermore, these inquiries do not serve any legitimate purpose related to any credit applications or transactions initiated by me. They do not have a permissible purpose to access my credit information. 

As a result, I am requesting that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy and integrity of my credit profile. 

I kindly ask that Equifax conduct a thorough investigation into these unauthorized hard inquiries and provide me with a written explanation of the findings. Additionally, I request that Equifax take the necessary steps to remove these unauthorized inquiries from my credit report as soon as possible. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this dispute and maintaining the accuracy of my credit information. If you require any further information or documentation to facilitate this request, please do not hesitate to contact me at the provided contact information. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Dear XXXX, I am writing to dispute the presence of unauthorized hard inquiries on my credit report. Upon reviewing my credit report, I have identified several hard inquiries that I did not authorize or recognize. These inquiries are negatively impacting my credit score and financial standing. 

List of Unauthorized Hard Inquiries : 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 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 XXXXXX/XX/XXXX I have not provided consent for these companies or institutions to access my credit report, and I believe these inquiries are unauthorized. Furthermore, these inquiries do not have a permissible purpose related to any credit applications or transactions initiated by me. 

As a result, I am requesting that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy and integrity of my credit profile. 

I kindly ask that XXXX conduct a thorough investigation into these unauthorized hard inquiries and provide me with a written explanation of the findings. Additionally, I request that XXXX take the necessary steps to remove these unauthorized inquiries from my credit report as soon as possible. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this dispute and maintaining the accuracy of my credit information. If you require any further information or documentation to facilitate this request, please do not hesitate to contact me at the provided contact information.

Company response to consumer: Closed with explanation