Consumer complaint received 2025-06-14 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: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple unauthorized and improper hard inquiries listed on my credit reports from various companies. These inquiries were not authorized by me, and I did not initiate any credit applications with these entities on or around the listed dates. The excessive and unauthorized nature of these inquiries has negatively affected my credit profile and score.

According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ), a hard inquiry may only be performed with a permissible purpose and with the consumers explicit consent. I believe these inquiries were conducted in violation of FCRA guidelines.

I am listing each of the unauthorized inquiries below and requesting an immediate investigation, explanation, and removal of the inquiries from my credit report.

List of Disputed Inquiries ( All appear without my authorization ) : 1. XXXX XXXX XX/XX/XXXX No application made to XXXX XXXX. FCRA 604 ( a ) ( 3 ) violation. 
XXXX. XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX No request for credit or lease submitted. 
XXXX. XXXX XXXX XX/XX/XXXX No credit inquiry authorized or requested. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Never applied or interacted with this dealership. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX No credit card application submitted. This appears unauthorized. 
XXXX. XXXX XX/XX/XXXX I never authorized XXXX to pull my credit. 
XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized hard inquiry. No consent provided. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX No financial interaction or permission given. 
XXXX. XXXX XXXX XX/XX/XXXX No dealership interaction or credit application. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Duplicate inquiry with XXXX XXXX , no authorization. 
XXXX. XXXX XXXX XX/XX/XXXX Unauthorized pull, duplicate of other XXXX inquiries XXXX 
XXXX. XXXX XXXX XX/XX/XXXX No contact or application with XXXX XXXX. 
XXXX. XXXX XX/XX/XXXX Suspected duplicate pull from the same dealership. 
XXXXXXXX XXXX XXXX  XX/XX/XXXX No permission given to access my credit report. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX known dealings with this entity. 
XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX No signed credit application or contact. 
XXXX XXXX XXXXXX/XX/XXXX Appears to be a duplicate of the above both unauthorized. 
XXXX. XXXX XXXX XX/XX/XXXX No transaction or authorization occurred. 
XXXXXXXX XXXX XXXXXX/XX/XXXX No identifiable entity ; appears suspicious and unauthorized. 
XXXX. XXXX OF XXXX XX/XX/XXXX No interaction or application submitted to this entity. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX credit application made. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Unauthorized pull, highly concerning given past consumer complaints. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX signed or verbal authorization was given. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry ; I have never dealt with this company. 
XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX authorization provided. 
XXXX. XXXX XX/XX/XXXX Unknown entity I never dealt with this company. 
XXXXXXXX XXXX  XX/XX/XXXX No application made or credit sought. 
Relief Requested : Under the FCRA ( 15 U.S. Code 1681b ), I request that : 1. An immediate investigation be conducted into each of these hard inquiries.

2. All inquiries for which there is no signed authorization or permissible purpose be permanently deleted from my credit reports across all three bureaus ( Experian, TransUnion, and Equifax ).

3. Confirmation of these removals be sent to me in writing.

4. Credit bureaus ensure tighter controls so that such unauthorized access does not continue to happen.

Conclusion : These hard inquiries are damaging and were made without proper cause or legal consent. I request the Consumer Financial Protection Bureau ( CFPB ) to hold these entities accountable for violations of the Fair Credit Reporting Act and ensure my rights as a consumer are protected.

Company response to consumer: Closed with explanation