Consumer complaint received 2024-04-30 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:
XX/XX/XXXX Consumer Assistance Subject : Request for Removal of Unauthorized Hard Inquiries Dear Consumer Assistance, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit report, which I obtained from, I have discovered numerous unauthorized hard inquiries listed. These inquiries are negatively impacting my credit profile and may affect my ability to access credit opportunities in the future. 

Below is a list of the unauthorized hard inquiries along with their respective inquiry dates and the duration they remain on record : 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 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 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 EQUIFAX MORTGAGE SER 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 I did not authorize any of the companies listed above to access my credit information for these inquiries. As such, I request the immediate removal of all unauthorized hard inquiries from my credit report. I demand that if this unauthorized hard inquiry is not promptly removed from my credit report, you must fulfill its obligation to cover 50 % of the upfront costs associated with any arbitration proceedings, as specified in our agreement. 

I believe these inaccuracies and unauthorized inquiry are affecting my creditworthiness and are not a true reflection of my financial history. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct these errors promptly. To support my dispute, I have enclosed copies of relevant documentation that substantiate my claims. 

I kindly request that you conduct a thorough investigation into the disputed information and remove the unauthorized hard inquiry from my credit report. It is crucial that the accuracy and integrity of my credit history are maintained to ensure fair access to credit opportunities and financial benefits. 

I demand that if this unauthorized hard inquiry is not promptly removed from my credit report, Equifax must fulfill its obligation to cover 50 % of the upfront costs associated with any arbitration proceedings, as specified in our agreement. 


I believe these inaccuracies and unauthorized inquiry are affecting my creditworthiness and are not a true reflection of my financial history. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct these errors promptly. 

I kindly request that you conduct a thorough investigation into the disputed information and remove the unauthorized hard inquiry from my credit report. It is crucial that the accuracy and integrity of my credit history are maintained to ensure fair access to credit opportunities and financial benefits. 

Please provide me with a written response within the timeframe stipulated by the FCRA, typically 30 days, regarding the outcome of your investigation. Additionally, I request that you inform all relevant parties involved in the reporting of the disputed information about the corrections made to my credit report. 



I appreciate your attention to this matter and your prompt resolution of the disputed information and the removal of the unauthorized hard inquiry. Please acknowledge receipt of this notice of dispute within 15 days to the address provided above. Thank you for your cooperation and adherence to the legal obligations outlined in the FCRA. I trust that you will handle this matter with the utmost professionalism and efficiency. 

Sincerely,

Company response to consumer: Closed with explanation