Consumer complaint received 2025-07-10 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: MT

Complaint narrative:
To Whom It May Concern, I am formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing Disputed Inquiry : XXXX XX/XX/XXXX Issue : Repetitive unauthorized inquiry Law : FCRA 604 ( a ) ( 3 ) Story : This seems to be a redundant or incorrect entry. I did not authorize multiple pulls from the same entity in one day Disputed Inquiry : XXXX XX/XX/XXXX Issue : Unauthorized and unfamiliar inquiry Law : FCRA XXXX ( a ) ( XXXX ) Story : I do not recognize this company and did not engage in any transaction that would justify this inquiry Disputed Inquiry : XXXX XXXX XX/XX/XXXX Issue : Inaccurate and unauthorized inquiry Law : FCRA 604 ( a ) ( XXXX ) Story : I did not authorize XXXX XXXX  to access my credit on this date and have no application or relationship with them Disputed Inquiry : XXXX XX/XX/XXXX Issue : Unknown and unauthorized hard inquiry Law : FCRA 604 ( a ) ( 3 ) Story : This company is unfamiliar and I did not initiate any credit request, making this inquiry invalid Disputed Inquiry : XXXX  XX/XX/XXXX Issue : Duplicate or suspicious inquiry Law : FCRA 604 ( a ) ( XXXX ) Story : This is the second unauthorized XXXX inquiry. I believe this may be the result of a dealership sharing or reselling my data without consent Disputed Inquiry : XXXX XX/XX/XXXX Issue : Repetition of XXXX XXXX entry Law : FCRA XXXX ( a ) ( XXXX ) Story : This is likely a duplicate listing of XXXX XXXX XXXX, which I never authorized Disputed Inquiry : XXXX XX/XX/XXXX Issue : Unauthorized access to my report Law : FCRA 604 ( a ) ( XXXX ) Story : I did not submit an application to XXXX and this inquiry harms my profile unjustly Disputed Inquiry : XXXX XXXX XXXX XX/XX/XXXX Issue : Repetitive and unauthorized Law : FCRA 604 ( a ) ( XXXX ) Story : This is yet another duplicate version of previous XXXX XXXX Auto-related pulls. I never authorized any of them Disputed Inquiry : XXXX XX/XX/XXXX Issue : Duplicate or error Law : FCRA 604 ( a ) ( 3 ) Story : This is possibly a mislabeling or duplication of XXXX XXXX, which I already stated was unauthorized Disputed Inquiry : XXXX XX/XX/XXXX Issue : Generic, ambiguous, unauthorized inquiry Law : FCRA 604 ( a ) ( XXXX ) Story : I do not know what XXXX refers to in this context, and I did not apply for credit with any related institution Disputed Inquiry : XXXX XX/XX/XXXX Issue : Unauthorized credit pull Law : FCRA 604 ( a ) ( XXXX ) Story : I did not authorize XXXX XXXX  to pull my credit on this date. This could be an error or identity misuse Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

Company response to consumer: Closed with explanation