Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
Formal Dispute of Unauthorized Hard Inquiries - FCRA 1681b ( f ) Violations and Identity Theft Blocking Under 605B To Whom It May Concern, I am formally disputing several unauthorized hard inquiries that appear on my consumer credit files. These inquiries were obtained without my knowledge, without my consent, and without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) 1681b ( f ). I am asserting my rights under federal law and requesting immediate removal of these inquiries from my Experian, Equifax, and TransUnion credit files. 
This letter serves as notice of identity theft under FCRA 605B ( 15 U.S.C. 1681c-2 ) and a demand for blocking and deletion of all unauthorized inquiries. 

Unauthorized and Disputed Inquiries ( No Consent Granted ) The following companies accessed my credit without my authorization : 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 XXXXXX/XX/year> At no point did I apply for credit or provide consent to any of the above entities to pull my consumer report. 

Authorized Inquiries for Verification Purposes The only inquiries I authorized are : XXXX XXXX XXXX XXXX XXXX Any other inquiry not listed above was obtained without consent and is fraudulent or improper. 

Legal Basis for This Dispute I am invoking the following federal laws : FCRA 1681b ( f ) Consumer reporting agencies may not furnish a report without a permissible purpose. Unauthorized access is unlawful.

FCRA 605B / 15 U.S.C. 1681c-2 Identity theft block. When notified of identity theft, the bureau must block and delete disputed items within four business days.

FCRA 1681i You must conduct a reasonable reinvestigation.

FCRA 1681i ( a ) ( 7 ) You are required to provide the method of verification.

FCRA 1681e ( b ) You must maintain maximum possible accuracy.

FCRA 1681n Willful noncompliance results in liability of {$1000.00} per violation.

FCRA 1681h ( e ) Defamation, invasion of privacy, and negligence apply when inaccurate information is willfully furnished.

UCC 1-308 All rights reserved ; no consent to unauthorized use of data.

FDCPA 809 ( b ) If any inquiry is collector-related, verification must be provided.

Demand for Manual, Independent Investigation Pursuant to FCRA 1681i ( a ) ( 1 ) ( A ), I demand a manual, independent investigation. An automated E-OSCAR response does not satisfy federal law. 

You must provide : The exact documentation each furnisher provided as proof of permissible purpose. 

The identity of the employee who verified the inquiry.

The procedure and method used to verify the inquiry ( required by 1681i ( a ) ( 7 ) ).

Whether the furnisher provided a signed application or authorization.

If the furnisher can not provide an original signed authorization, the inquiry must be deleted under 1681i ( a ) ( 5 ) ( A ).

Identity Theft Block Request FCRA 605B Under FCRA 605B, this letter constitutes written notice of identity theft.

You are required to block and delete the unauthorized inquiries listed above within four business days.

Liability Notice Failure to remove unauthorized inquiries places your agency in violation of : FCRA 1681b FCRA 1681i FCRA 1681n ( civil liability ) FCRA 1681o ( negligent noncompliance ) FCRA 1681h ( e ) ( defamation and negligence ) I reserve all rights under UCC 1-308 and will pursue CFPB complaints, FTC reports , Attorney General complaints, and civil claims if necessary. 

Multiple unauthorized companies accessed my consumer credit reports without my knowledge or permission. I did not apply for credit with these companies, and I did not grant permissible purpose to pull my reports on any of the dates listed below. 

These unauthorized inquiries include : 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 XXXXXX/XX/year> I did not authorize or initiate any credit applications with these entities. 
The only inquiries I knowingly authorized are XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

This is a violation of FCRA 1681b ( f ), which requires a valid permissible purpose before a credit reporting agency may furnish a consumer report. These companies had no permissible purpose.

Under FCRA 605B / 15 U.S.C. 1681c-2, when identity theft or unauthorized access occurs, the credit bureaus are required to block and delete the disputed information within four business days.

I requested the credit bureaus to perform a manual, independent reinvestigation as required under FCRA 1681i and asked them to provide the method of verification under 1681i ( a ) ( 7 ). To date, I have not received any proof of a valid authorization or signed application for these inquiries. 

These unauthorized inquiries are harming my credit profile and violating my privacy rights. I am requesting that the CFPB require Experian, Equifax, and TransUnion to : Remove all unauthorized inquiries listed above. 

Provide documentation showing who accessed my report and under what claimed permissible purpose. 

Provide their verification procedures, as required by FCRA 1681i ( a ) ( 7 ).

These inquiries were not authorized, not initiated by me, and must be deleted under federal law.

Company response to consumer: Closed with non-monetary relief