Consumer complaint received 2025-06-13 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:
To Whom It May Concern, I am writing to formally dispute and request the deletion of multiple unauthorized and inaccurate hard inquiries that appear on my consumer credit reports. These inquiries were made without my knowledge or consent and have negatively impacted my credit score and financial reputation.

The following inquiries are being disputed : Inquiries in Question : 1. XXXX XXXX Date : XX/XX/XXXX o Issue : I did not authorize this inquiry. I had no dealings with Capital One at the time of the pull.

o Law Cited : Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a consumer report if there is permissible purpose and the consumer has given consent.

o Violation : No application was submitted by me to authorize this pull. This violates my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX. XXXXXX/XX/XXXX Date : XX/XX/XXXX o Issue : Duplicate of the previous Capital XXXX inquiry. This raises concerns of duplicate reporting without additional consent.

o Law Cited : FCRA 604 ( a ) Requires specific consumer consent for each inquiry.

o Violation : This appears as an error or an intentional duplication without new authorization. 
XXXXXX/XX/XXXXDate : XX/XX/XXXX o Issue : A third variation of the XXXX XXXX inquiry on the same date. 
o Law Cited : FCRA 604 ( a ) ( 3 ) ( A ) o Violation : This is a triplicate entry for a single creditor a clear reporting error and non-compliant with fair reporting practices. 
XXXX. XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX o Issue : I did not initiate any application for credit with this institution. 
o Law Cited : FCRA 604 ( a ) ( 3 ) ( F ) ( ii ) Requires a legitimate business need in connection with a transaction initiated by the consumer.

o Violation : No such transaction was ever initiated, and this inquiry was done without my permission. 
XX/XX/XXXXXXXX : XX/XX/XXXX o Issue : Unauthorized hard inquiry I never applied for any product with this credit union. 
o Law Cited : FCRA 604 ( a ) o Violation : Inaccurate pull with no permissible purpose. Should be immediately deleted from all reports. 
XX/XX/XXXXDate : XX/XX/XXXX o Issue : I have no knowledge of this entity or any credit application made to them. 
o Law Cited : FCRA 604 ( a ) ( 3 ) o Violation : Inquiry lacks proper consent and violates my rights under the FCRA. 
XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX o Issue : I did not initiate any relationship or transaction with XXXX. 
o Law Cited : FCRA 604 ( a ) ( 3 ) ( A ) o Violation : Inquiry was made without my authorization and must be removed.

Impact and Harm : These inaccurate and unauthorized inquiries have caused a decrease in my credit score, have triggered suspicion of identity theft, and have resulted in denial of new credit opportunities. I take my credit file seriously and am deeply concerned that these violations remain unresolved. 
Legal Foundation & Request : Under the Fair Credit Reporting Act ( FCRA ), particularly Section 604 and Section 611, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am formally requesting the following : 1. Immediate investigation and deletion of the listed inquiries.

2. A written confirmation that these inquiries have been removed.

3. A full reinvestigation report under FCRA 611 ( a ).

4. Notification to all credit bureaus involved of the correction.

Conclusion : If these inquiries are not promptly removed and resolved, I am prepared to escalate this matter by submitting complaints to the FTC, pursue formal dispute letters to the credit bureaus under 15 U.S. Code 1681i, and consider further legal action.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) hold the responsible parties accountable for failing to adhere to federal laws under the FCRA. These unauthorized inquiries must be removed to restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief