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:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint to report XXXX unauthorized hard inquiries that have appeared on my credit report. These inquiries were made without my knowledge or consent, and they constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ) and 604 ( c ), which require explicit consumer permission for a hard credit pull.

These inquiries have harmed my credit score and personal financial situation. I never applied for financing from these institutions, nor did I authorize themeither directly or indirectlyto access my credit profile. 
List of Unauthorized Inquiries with XXXX XXXXXXXX XXXX  XX/XX/year> No authorized application submitted Violation : FCRA 604 ( a ) ( 3 ) No permissible purpose XXXX. XXXX XXXX XX/XX/year> I did not apply for any auto loan or financing through this lender Violation : FCRA 604 ( c ) ( 1 ) ( A ) No written authorization provided XXXX. XXXX XXXX XXXX XXXX XX/XX/year> I have no recent relationship or application with XXXXXXXX XXXX XXXX XXXX Violation : FCRA 604 Inquiry made without consent XXXX. XXXX XXXX XXXX XX/XX/year> No loan initiated or requested from XXXX ; inquiry is unauthorized Violation : FCRA 604 Accessed my report without permissible reason XXXX. XXXX XXXX XXXX  XX/XX/year> No consent given to GLS ; I did not apply for any account with them Violation : FCRA 604 Lack of consumer-initiated request XXXX. XXXX XXXX  XX/XX/year> I did not interact with Ally or seek financing ; inquiry is invalid Violation : FCRA 604 ( c ) No permissible purpose or consumer consent XXXX. XXXX XXXX XXXXXXXX XX/XX/year> Appears tied to a dealer ; I did not approve this pull or submit an application Violation : FCRA 604 No proper consumer authorization XXXX. XXXX XXXX XX/XX/year> Unknown entity ; no permission or interaction occurred Violation : FCRA 604 Unauthorized access of credit profile XXXX. XXXX XXXX XX/XX/year> XXXX. No application was made to XXXXXXXX XXXX Violation : FCRA 604 Inquiry occurred without consumer consent XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/year> No contact, application, or business with this credit union Violation : FCRA 604 ( c ) No written permission for inquiry XXXX. XXXX XXXX XX/XX/year> No relationship or application submitted to XXXX XXXX Violation : FCRA 604 Inquiry lacks valid permissible purpose XXXX. XXXX XX/XX/year> No loan application submitted to XXXX XXXX XXXX XXXX ( XXXX ) Violation : FCRA 604 Inquiry unauthorized and harmful XXXX. XXXX XXXX XX/XX/year> I have not applied to XXXX XXXX XXXX or authorized credit access Violation : FCRA 604 Consumer authorization missing XXXX. XXXX XXXX XX/XX/year> Likely associated with dealership ; no express consent was given Violation : FCRA 604 Access made without proper notice or approval XXXX. XXXX XXXX XXXX XXXX XX/XX/year> No inquiry authorization submitted to XXXX XXXX XXXX XXXX XXXX Violation : FCRA 604 Inquiry performed without consent Legal Reference Summary Under FCRA 604 ( a ), a credit reporting agency may only provide a consumer 's report under specified circumstances, which include the consumer 's explicit permission. Furthermore, 604 ( c ) ( 1 ) ( A ) requires written instruction for inquiries related to credit or insurance that are not initiated by the consumer.

These inquiries were not initiated by me and have no supporting authorization. Therefore, they were made unlawfully.

Requested Actions 1. Conduct a formal investigation into these entities for unauthorized access 2. Instruct the Credit Reporting Agencies to delete these inquiries 3. Require documentation proving signed authorization from the named furnishers 4. Apply any enforcement remedies under FCRA for these violations Closing Statement These hard inquiries are impacting my creditworthiness, which could affect my ability to obtain employment, housing, and fair lending. I demand prompt action and accountability from all entities who failed to follow lawful procedures. 
Thank you for your time and support in protecting my rights.

Company response to consumer: Closed with explanation