Consumer complaint received 2025-10-02 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:
To : Equifax, Experian, and TransUnion Credit Bureau Dispute Department From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : ( XXXX ) XXXX To Whom It May Concern, I am writing to formally dispute and request the removal of multiple unauthorized credit inquiries made under my name as a result of identity theft. These inquiries were not initiated or authorized by me and are damaging my credit profile and affecting my ability to obtain financial services. Below is a complete list of the companies that have made unauthorized inquiries on my credit report : Unauthorized Credit Inquiries : - XXXX XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> Collection Accounts to be Investigated and Removed : - XXXX XXXX XXXX {$110.00} ( Appears as collection/fraudulent ) - XXXX XXXX XXXX XXXX. Listed as debt buyer account - XXXX XXXX XXXX Listed as debt buyer account- Any other collection or charge-off accounts opened without authorization Correction Request : The XXXX XXXX account must be updated to reflect Paid in Full / {$0.00} Balance / Closed Account if it is currently shown as open or active. Please ensure this correction is made across all credit reporting agencies.

These inquiries are fraudulent and are a direct result of identity theft. I have not applied for credit with any of the above entities. I am requesting that these inquiries be thoroughly investigated and permanently removed from all credit reporting agencies, as allowed under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). Please also ensure that any resulting or associated accounts are not listed under my credit profile and are not negatively impacting my creditworthiness. I am attaching supporting documents to validate my identity and report the fraud, including a government-issued photo ID and proof of residence.

As a fair resolution, I am requesting : Immediate removal of all listed unauthorized credit inquiries A written response confirming the outcome of the investigation Removal of any negative or inaccurate reporting linked to these fraudulent inquiries Thank you for your time and prompt attention to this matter. Please contact me at the phone number or email address listed above if additional information is needed. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation