Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
FORMAL CREDIT INQUIRY DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Demand for Removal of All Unauthorized and Non-Permissible Inquiries Pursuant to FCRA 604 and 611 To Whom It May Concern : This letter serves as a formal dispute and demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically sections 604 ( Permissible Purposes of Consumer Reports ) and 611 ( Procedure in Case of Disputed Accuracy ). 

Upon reviewing my credit report dated XX/XX/XXXX, accessed through the Equifax Dispute Center, I observed numerous inquiriesspecifically, 73 soft inquiries from various entities, including Equifax and third-party vendors. I am formally requesting the complete deletion of all these inquiries from my consumer file for the following reasons : 1. Lack of Permissible Purpose Under FCRA 604, no person or organization may access a consumer report without a legally permissible purpose and explicit consumer authorization. I did not authorize the repeated access from entities such as Equifax XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX. These entities have failed to provide documented proof of such permissible purpose. 

2. Consumer Injury and Willful Noncompliance The continuous access of my personal information without my consent or initiation constitutes a willful violation of my privacy rights and could be seen as a pattern of negligent or willful noncompliance, as per FCRA 616 and 617. I reserve the right to pursue statutory damages of up to {$1000.00} per violation if not resolved within the statutory timeframe. 

3. Failure to Properly Segregate Soft and Hard Inquiries While these inquiries are classified as soft, the volume and frequency of access are excessive and unjustifiable, and they pose risks of data misuse, profiling, and surveillance. Additionally, some of these inquiries appear duplicative or suspicious in origin. 

DEMAND FOR ACTION Pursuant to FCRA 611, you are hereby instructed to : 1. Initiate an immediate reinvestigation into each and every inquiry listed in Exhibit XXXX XXXX 2. Delete all inquiries for which you can not provide clear evidence of permissible purpose and consumer authorization ; 3. Provide written confirmation of the deletion and an updated copy of my credit report within 30 days, as required by law. 
EXHIBIT XXXX  : LIST OF INQUIRIES TO BE DELETED ( Sample of entities listed ; full list in attached report ) - Equifax ( multiple entries from XXXX to XX/XX/XXXX ) - Equifax XXXX XXXX ( multiple dates ) - Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( frequent entries from XX/XX/XXXX XX/XX/XXXX ) - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. 
- FAIR XXXX XXXX. 
- XXXX XXXX XXXX XXXX. 

If you fail to comply with this lawful demand within the timeframe specified by the FCRA, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue civil remedies under 616 and 617.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation