Consumer complaint received 2025-11-10 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX Georgia XXXX [ Date of Birth ] XX/XX/XXXX [ Social Security Number XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear [ Credit Bureau Name ], I am writing to dispute several unauthorized or inaccurate inquiries that appear on my credit report. I did not authorize these inquiries, nor did I apply for credit with the companies listed below. Under the Fair Credit Reporting Act ( FCRA ), Section 604, only inquiries authorized by me or resulting from a firm offer of credit may appear on my credit file.

Please investigate and remove the following inquiries from my credit report : Date of Inquiry Creditor / Company Name Reason for Dispute XX/XX/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 XXXXXXXX Unauthorized / No Consent For your convenience, Ive enclosed XXXX of documents verifying my identity and address : A copy of a government-issued photo ID ( drivers license, passport, etc. ) A recent utility bill, bank statement, or similar document showing my current address Please conduct your investigation and remove any inquiries that were not authorized by me. I request written confirmation of your findings and any changes made to my credit file once your investigation is complete. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX way XXXX Georgia XXXX [ Date of Birth ] XX/XX/XXXX [ Social Security Number XXXX Date : XX/XX/XXXX To : Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear [ Credit Bureau Name ], I am writing to dispute several unauthorized or inaccurate inquiries that appear on my credit report. I did not authorize these inquiries, nor did I apply for credit with the companies listed below. Under the Fair Credit Reporting Act ( FCRA ), Section 604, only inquiries authorized by me or resulting from a firm offer of credit may appear on my credit file.

Please investigate and remove the following inquiries from my credit report : Date of 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 Unauthorized / No Consent For your convenience, Ive enclosed copies of documents verifying my identity and address : A copy of a government-issued photo ID ( drivers license, passport, etc. ) A recent utility bill, bank statement, or similar document showing my current address Please conduct your investigation and remove any inquiries that were not authorized by me. I request written confirmation of your findings and any changes made to my credit file once your investigation is complete. 
Thank you for your attention to this matter. 
Sincerely, 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 XXXXXXXX Subject : Dispute of Unauthorized Credit Inquiries Dear [ Credit Bureau Name ], I am writing to dispute several unauthorized or inaccurate inquiries that appear on my credit report. I did not authorize these inquiries, nor did I apply for credit with the companies listed below. Under the Fair Credit Reporting Act ( FCRA ), Section 604, only inquiries authorized by me or resulting from a firm offer of credit may appear on my credit file.

Please investigate and remove the following inquiries from my credit report : Date of Inquiry Creditor / Company Name Reason for Dispute XX/XX/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 XXXXXXXX XXXX Unauthorized XXXX No Consent For your convenience, Ive enclosed XXXX of documents verifying my identity and address : A copy of a government-issued photo ID ( drivers license, passport, etc. ) A recent utility bill, bank statement, or similar document showing my current address Please conduct your investigation and remove any inquiries that were not authorized by me. I request written confirmation of your findings and any changes made to my credit file once your investigation is complete. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation