Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SSN : XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Demand for Removal of Unauthorized/Inaccurate Hard Inquiries Pursuant to FCRA, FACTA, FDCPA, and CFPB Regulations To Whom It May Concern, This letter is a formal demand for the immediate deletion of the following unauthorized and/or unverifiable hard inquiries from my Equifax credit report. These inquiries are causing irreparable harm to my creditworthiness, and they were either not authorized by me or not properly verified under federal law : List of Disputed Hard Inquiries : XXXXXXXX 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 XXXXXXXX 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/XXXX XXXX XXXX XX/XX/XXXX Legal Basis for Demand : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) You are legally obligated to report only accurate and verifiable information. You must ensure inquiries are permissible under law and initiated with explicit consumer authorization. Failure to verify constitutes a violation of FCRA.

FCRA, 15 U.S.C. 1681i ( a ) Upon dispute, you must reinvestigate within 30 days and remove unverifiable items immediately. If you can not obtain written proof of my authorization for these inquiries, they must be removed.

Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681g ( g ) This act requires that consumers be protected against identity theft and unauthorized access. Multiple inquiries within a short span may indicate fraudulent activity, requiring further scrutiny.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e Any reporting or collection based on inaccurate or unauthorized inquiries constitutes a deceptive practice.

Consumer Financial Protection Bureau ( CFPB ) I reserve the right to escalate this matter to the CFPB and the Federal Trade Commission ( FTC ) should this issue not be resolved promptly. Any failure to comply may result in legal action for damages under FCRA 1681n and 1681o.

Required Action : You have 30 days from receipt of this letter to complete your reinvestigation. If you can not produce concrete evidence of authorization, including my signature or digital authorization for each inquiry, then these inquiries must be removed immediately.

Please confirm deletion in writing and provide an updated credit report reflecting these changes. Failure to comply will result in formal complaints filed with the CFPB, FTC, State Attorney General, and potential civil litigation.

This is your final opportunity to rectify this matter amicably before escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation