Consumer complaint received 2025-06-13 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: AL

Complaint narrative:
b'To Whom It May Concern,\nI am writing to formally dispute and request immediate removal of multiple unauthorized and inaccurate hard inquiries reflected on my credit report across the three major bureausEquifax, Experian, and TransUnion. These inquiries were made without my knowledge, authorization, or a permissible purpose as required under the Fair Credit Reporting Act (FCRA)  15 U.S.C  1681b.\nAccording to the FCRA, hard inquiries may only be made with the explicit authorization of the consumer or in connection with a credit transaction that the consumer initiated. I did not initiate, authorize, or provide written consent for the inquiries listed below. I am extremely concerned about how my information was accessed and used.\nThe following unauthorized inquiries appear on my credit report:\n1.\tLENDMARKFI  04/28/2025\nViolation: FCRA  604(a)(3)  No permissible purpose or consent.\n2.\XXXX XXXX  11/08/2024\nViolation: FCRA  604(a)(3)  No application made, no consent given.\n3.\tCR XXXX  05/09/2024\nViolation: FCRA  604  Inquiry not initiated by me, no permissible reason.\n4.\tXXXX  XXXX\nViolation: FCRA  604(a)(3)(A)  I did not apply for any credit with them.\n5.\tXXXX XXXX XXXX\nViolation: FCRA  604  Unauthorized access to consumer report.\n6.\tXXXX  XXXX\nViolation: FCRA  604  No consumer-initiated credit application.\n7.\XXXX XXXX XXXX\nViolation: FCRA  604  Third-party pull, not approved or initiated by me.\n8.\tXXXX XXXX XXXX  06/20/2024\nViolation: FCRA  604  No credit inquiry authorized.\n9.\tCIC  06/20/2024\nViolation: FCRA  604  Data inquiry not initiated by me.XXXX XXXX  09/27/2024\nViolation: FCRA  604  I have no relationship with this entity.XXXX XXXX  09/27/2024\nViolation: FCRA  604  No permissible purpose for inquiryXXXX XXXX 1 XXXXViolation: FCRA  604  Duplicate or unauthorized pull.\n13.\XXXX XXXXnViolation: FCRA  604  No credit application made or authorized.\n14.\tXXXX XXXX XXXX XXXX\nViolation: FCRA  604  Unauthorized credit access.\n15.\tXXXX XXXX XXXXXXXXViolation: XXXX XXXX   No application submitted, unauthorized inquiryXXXX XXXX XXXX XXXX\nViolation: FCRA  604  I did not consent to a credit inquiry.\n17.\XXXXXXXX XXXX FCRA  604  Inquiry made without my knowledge or consentXXXX XXXX XXXX  XXXXViolation: FCRA  604  No authorized credit activity with this lender.\nMy Statement:\nThese inquiries have negatively impacted my credit score and may continue to do so if left unaddressed. I am deeply concerned about how my personal information is being shared or used, possibly exposing me to identity theft or unauthorized account creation.\nI have not submitted any credit applications to these institutions on or around the dates indicated above, nor have I given written or electronic consent for these inquiries. Each of these hard inquiries is therefore a direct violation of FCRA  604(a), and I am requesting that the CFPB investigate each instance.\nAction Requested:\nI respectfully demand:\n\tImmediate deletion of these unauthorized hard inquiries from all credit bureaus (Equifax, Experian, and TransUnion).\n\tA full investigation into how and why these companies accessed my credit file without consent.\n\tDocumentation or proof of permissible purpose, if any party claims such access was authorized.\n\tEnforcement action against any entity found to have violated my consumer rights.\nThank you for your attention to this matter. I am seeking full compliance with the FCRA and your assistance in correcting this harmful and unlawful credit reporting activity. If no resolution is received within a reasonable time, I will escalate this matter with legal counsel and explore civil remedies under FCRA  616 and  617, which allow for damages due to willful or negligent noncompliance.'

Company response to consumer: Closed with explanation