Consumer complaint received 2025-06-12 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:
Dear CFPB, I am submitting this formal complaint to bring attention to multiple unauthorized and suspicious hard inquiries that have significantly damaged my credit profile and financial standing. These inquiries were made without my knowledge, consent, or any permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b Permissible purposes of consumer reports.

I did not authorize these companies to access my credit report, nor did I initiate any credit applications with many of them. I strongly believe that these inquiries are either fraudulent, made in error, or without a legitimate business need.

These unauthorized inquiries have caused harm to my creditworthiness by lowering my credit score and misrepresenting my intent to seek credit, which is misleading and harmful. 
LIST OF DISPUTED INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX Unauthorized inquiry Violation : FCRA 1681b No permissible purpose. 
XXXXXXXX XXXX Date : XX/XX/XXXX Unauthorized inquiry Violation : FCRA 1681b & 1681n Willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX No application submitted Violation : FCRA XXXX ( a ) ( XXXX ) Must have explicit consent. 
XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Violation : FCRA 1681q Obtaining information under false pretenses. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Violation : FCRA 1681b & 1681s-2 Improper use of consumer report. 
XXXX. XXXX Date : XX/XX/XXXX Violation : FCRA 1681n Willful noncompliance and no authorization. 
XXXX XXXX  Date : XX/XX/XXXX Violation : FCRA 1681b Inaccurate or misrepresented pull. 
XXXX. XXXX Date : XX/XX/XXXX Violation : FCRA 1681q No application submitted. 
XXXX. XXXX XXXX  Date : XX/XX/XXXX Violation : FCRA 1681b Inquiry not initiated by me. 
XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Violation : FCRA 1681b Inquiry not authorized. 
XXXX. XXXX XXXX Date : XX/XX/XXXX Violation : FCRA 1681b ( a ) ( 3 ) No permissible intent. 
XXXX. XXXXXXXX XXXX Date : XX/XX/XXXX Violation : FCRA 1681b & 1681q No legitimate business need. 
XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Violation : FCRA XXXX Not initiated by consumer. 
XXXX. XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Violation : FCRA 1681b ( a ) Unverified pull. 
XXXX XXXX  Date : XX/XX/XXXX Violation : FCRA 1681n No authorization provided. 
XXXX. XXXX Date : XX/XX/XXXX Violation : FCRA 1681b Unlawful access to credit. 
XXXX. XXXX Date : XX/XX/XXXX Violation : FCRA 1681q False representation to obtain report. 
XXXX. XXXX Date : XX/XX/XXXX Violation : FCRA XXXX No consumer consent. 
XXXX. XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX Violation : FCRA 1681b & 1681s-2 ( a ) ( 1 ) ( A ) Improper access. 
XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Violation : FCRA 1681b Unverified credit pull. 
XXXX. XXXX XXXX Date : XX/XX/XXXX Violation : FCRA 1681n No permission granted. 
XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Violation : FCRA 1681q Not initiated by consumer. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX Violation : FCRA 1681b No prior authorization. 
XXXX XXXX XXXX Date : XX/XX/XXXX Violation : FCRA 1681b Inquiry pulled without consent. 
XXXX XXXX XXXX  Date : XX/XX/XXXX Violation : FCRA 1681q Potential false purpose. 
REQUEST FOR RELIEF : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to : 1. Investigate each of the inquiries listed above. 
2. Direct the credit bureaus to permanently delete these unauthorized inquiries from my credit file.

3. Require all listed companies to provide proof of permissible purpose ( i.e., signed application, authorization ).

4. Impose penalties for any violations of FCRA, especially for willful or repeated infractions.

5. Ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully enforced. 
FINAL NOTE : This complaint is submitted under the authority of the Fair Credit Reporting Act. I am prepared to take legal action should these violations remain unresolved, including pursuing damages for willful noncompliance under 15 U.S.C. 1681n and civil liability for negligent noncompliance under 1681o.

Please take immediate action.

Company response to consumer: Closed with non-monetary relief