Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of hard inquiries 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX 6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX   Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. 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The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. 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The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX Experian XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. 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The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief