Consumer complaint received 2025-12-29 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: OH

Complaint narrative:
Failure by Equifax, TransUnion, and Experian to Remove Unauthorized Hard Inquiries & Failure to Perform Proper Reinvestigation Under FCRA I am filing this complaint because Equifax, TransUnion, and Experian have repeatedly failed to remove multiple unauthorized hard inquiries from my credit reports, despite my submitting formal dispute letters to all three credit reporting agencies over the past 12 months. 
These inquiries were not authorized by me, I did not initiate credit applications with most of the companies listed, and I have requested deletion multiple times in writing with full documentation and ID verification. Regardless, the disputed inquiries remain on my credit reports, and the bureaus have failed to correct the information or conduct a proper reinvestigation as required by law. 
In addition, I have contacted several of the companies that allegedly made these inquiries, and many of them were unable to locate any application, account, or permissible purpose, confirming that these inquiries were not made with my consent. Despite this, the credit bureaus continue to report them. 
Legal Rights Being Violated Under the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( a ) I have the right to fair and accurate reporting.

FCRA 604 A hard inquiry requires permissible purpose ; unauthorized inquiries can not be reported.
FCRA 607 ( b ) Credit bureaus must ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) I have a right to request disclosure of all information used to verify the inquiries.

FCRA 611 ( a ) I have a right to dispute information and have a reasonable reinvestigation conducted within 30 days.

FCRA 611 ( a ) ( 7 ) I have the right to a description of the method of verification.

FCRA 611 ( a ) ( 5 ) Unverified information must be deleted. 

Despite multiple dispute letters, the bureaus have not provided a proper method of verification, nor have they supplied any documentation proving that the hard inquiries were authorized or valid. 
This is a repeated pattern of noncompliance. 
Summary of the Issue I have disputed these inquiries multiple times in writing over the past year. 
The bureaus responded with form letters, claiming the inquiries were verified, without providing any proof. 
No creditor provided documentation, an application, contract, or permissible purpose, and many stated they could not locate my information at all. 
The credit bureaus have not conducted a lawful reinvestigation and continue to keep inaccurate inquiries on my report. 
These unauthorized inquiries have lowered my credit score and continue to cause financial harm.

The bureaus failure to correct the information is a violation of my FCRA rights. 

Equifax Unauthorized Inquiries 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 TransUnion Unauthorized 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 XXXXXX/XX/XXXX Experian Unauthorized 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation