Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
Complaint to CFPB Regarding Unauthorized Inquiries Reported by Equifax I am filing this complaint regarding unauthorized and inaccurate inquiries reported on my Equifax credit report. These inquiries are not associated with any accounts or credit applications initiated by me, nor have I provided consent for these inquiries to be made. Their continued presence on my credit report is negatively impacting my creditworthiness and financial standing. 

Despite my efforts to resolve this issue directly with Equifax, including disputing these inquiries as unauthorized, Equifax has failed to take appropriate action to investigate and remove them. This lack of response is a clear violation of federal credit reporting laws designed to protect consumers. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), credit reporting agencies are required to ensure that inquiries appearing on a credit report are permissible. Permissible purposes for inquiries include instances where a consumer applies for credit, consents to the inquiry, or initiates a business relationship. The inquiries in question do not meet these criteria. 

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), Equifax is obligated to investigate disputes regarding inaccurate information on credit reports and to correct or delete any unverifiable or inaccurate information. Equifaxs failure to conduct a reasonable investigation or remove these inquiries violates this provision.

Excessive and unauthorized inquiries on my credit report damage my credit profile by unfairly lowering my credit score and creating an inaccurate picture of my credit behavior. As a consumer, I rely on credit reporting agencies to provide accurate and fair reporting, and Equifaxs failure to uphold its legal responsibilities undermines my confidence in the credit reporting system.

Resolution Requested : I request the immediate removal of all unauthorized and inaccurate inquiries from my Equifax credit report. 
I request that Equifax conduct a thorough investigation into how these inquiries were added to my credit file without my consent and provide a detailed report of their findings. 
I ask that Equifax implement safeguards to prevent future inaccuracies and unauthorized reporting of inquiries. 
Thank you for your attention to this matter. I trust that your assistance will help restore the accuracy of my credit report and ensure compliance with federal credit reporting laws. 

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 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

Company response to consumer: Closed with explanation