Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XX/XX/XXXX SSN # : XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX  GA XXXX I am writing to formally dispute multiple unauthorized or inaccurate hard inquiries appearing on my credit report. These inquiries have caused measurable harm to my credit score, and in many cases, I did not authorize them, nor were they related to any application or account I opened. Under the Fair Credit Reporting Act ( FCRA ), Section 604, a consumer reporting agency may only furnish credit information with proper authorization. I am requesting that these inquiries be investigated and removed immediately. I am also referencing the Fair Credit Billing Act and relevant state laws protecting consumers against unauthorized access to credit reports. 
XXXX XX/XX/XXXX XXXX This inquiry was made by XXXX on XX/XX/XXXX. I did not apply for credit with XXXX at this time, and no account exists under my name with them. This inquiry is unauthorized and has negatively impacted my credit score. I have suffered stress and financial uncertainty as a result of unexplained inquiries appearing on my report. Immediate removal is required to comply with the FCRA and prevent further damage. 
XXXX XXXX XXXX XXXX XXXX XXXX pulled my credit on XXXX XXXX XXXXXX/XX/XXXX. I did not apply for any mortgage or credit with them, nor have I authorized such a pull. This inquiry is a clear violation of Section 604 ( a ) of the FCRA. It is unacceptable that an organization can access my credit report without my explicit consent. I request verification of the legitimacy of this inquiry and its immediate removal. 
XXXX XXXXXX/XX/XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. I did not authorize this inquiry. Repeated unauthorized inquiries create an artificial risk profile for me as a consumer, which is legally prohibited under the FCRA. I am requesting an immediate investigation and deletion of this inquiry. 
XXXX XX/XX/XXXX XXXX XXXX accessed my credit report on XX/XX/XXXX. I have never provided consent for any such inquiry. Unauthorized access by data aggregators or reporting services can expose me to potential fraud risks and diminishes my creditworthiness unfairly. Removal of this inquiry is demanded in accordance with federal law. 
XXXX XX/XX/XXXX XXXX XXXX performed a hard pull on XX/XX/XXXX. I have no existing account or credit application with them. This is a direct violation of the FCRA, causing unjust harm to my credit score. XXXX correction is required. 
XXXX XX/XX/XXXX XXXX This inquiry was made without my authorization on XX/XX/XXXX. XXXX has no valid reason to access my report. Each unauthorized inquiry is a legal violation, and I request its removal and assurance that this will not recur. 
XXXX XX/XX/XXXX XXXX XXXX performed an inquiry on XX/XX/XXXX. I did not authorize this inquiry, and no application exists. This is a violation of my consumer rights under the FCRA and has harmed my credit profile. XXXX deletion is demanded. 
XXXX XX/XX/XXXX XXXX XXXX pulled my credit on XX/XX/XXXX, without authorization. I request documentation proving any supposed consent. As none exists, this inquiry should be removed immediately. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX accessed my credit report again without my permission. Repeated unauthorized pulls indicate a serious violation of federal law and a pattern of negligence. Immediate removal and investigation are demanded.

Action Requested : I demand that all above-listed inquiries be thoroughly investigated, verified with proper written authorization, and permanently removed if verification can not be provided. Additionally, I request written confirmation of deletion for my records. I reserve all rights to pursue further legal action if these violations continue, including reporting to the FTC and pursuing damages under the FCRA. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief