Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Reviewer, I am disputing several hard inquiries currently appearing on my Equifax credit report. I have disputed these inquiries twice directly with Equifax, and Equifax failed to provide the required information under the Fair Credit Reporting Act ( FCRA ). Equifax did not provide : the method of verification, proof that the inquiring companies certified a permissible purpose, documentation of my authorization, or any business contact details as required under FCRA XXXX. 

Instead, Equifax sent a generic response stating that inquiries are a factual record of file access, which does not meet FCRA reinvestigation requirements. 

Because these inquiries were not authorized and Equifax failed to verify them, I am requesting their immediate removal. 

Disputed Hard Inquiries ( All from My Equifax Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> I did not authorize these inquiries, and I did not request credit from these companies. Equifax has not verified whether these companies had a valid permissible purpose to access my credit report.

Legal Grounds for Deletion 1. 15 U.S.C. 1681b ( f ) User Certification Requirement An entity must certify its permissible purpose before obtaining a consumer report. Equifax failed to provide certification documentation for any of these inquiries.

2. 15 U.S.C. 1681b ( a ) No Permissible Purpose I did not apply for credit, authorize a pull, or initiate any transaction with these companies. Without a valid permissible purpose, these inquiries are unlawful.

3. 15 U.S.C. 1681e ( a ) Duty to Prevent Unauthorized Access Equifax is required to maintain reasonable procedures to ensure that only authorized parties access consumer files. Allowing uncertified, unverified inquiries violates this section.

4. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Reinvestigate Equifax did not reinvestigate as required. No verification was performed, and no method of verification was provided.

5. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Deletion of Unverifiable Information If an inquiry can not be verified, it must be deleted.

Equifax did not verify any of these inquiries.

6. Public Law 115-174 ( Economic Growth, Regulatory Relief & Consumer Protection Act ) This law requires CRAs to follow stricter standards for verification and accuracy. Equifax did not meet these requirements.

7. Metro 2 Inquiry Reporting Requirements Hard inquiries must include : accurate inquirer identification, proper inquiry purpose codes, consumer-initiated credit request documentation, and complete certification.

Equifax provided none of this.

Request for Action I request that Equifax and the CFPB : Delete all disputed inquiries listed above because they can not be verified under FCRA, Metro 2, and Public Law 115-174.

Provide the method of verification for each inquiry, including the certification submitted by each company.

Remove any unverifiable, inaccurate, or unauthorized access from my Equifax file.

Provide written confirmation of the outcome.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation