Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiries Under USC Codes Dear XXXX, I am writing to formally dispute unauthorized hard inquiries on my credit report that did not result in a credit account, as allowed under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws. Upon reviewing my credit report, I identified several inquiries that I did not authorize, or that did not result in a credit transaction, in violation of my consumer rights. 

Under 15 U.S.C. 1681b, credit reporting agencies may only furnish consumer reports under specific permissible purposes. A hard inquiry must be conducted with my explicit authorization and should be related to a legitimate credit transaction. If no account was opened as a result of these inquiries, they may not meet the permissible purpose requirements under the FCRA.

Additionally, per 15 U.S.C. 1681i, I am exercising my right to dispute these inquiries and request their removal unless verifiable proof of my authorization and a permissible purpose is provided. Please provide documentation showing that I explicitly authorized each inquiry. If such proof can not be provided, I demand immediate removal of the following unauthorized inquiries from my credit report : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX Credit card with XXXX repaymentterms. This inquiryis scheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX UT, XXXX Unspecifi XXXX. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX  Inquired on XX/XX/XXXX XXXX DETROITMI, XXXX Unspecifi XXXX. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX UT, XXXX Unspecifi XXXX. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX DETROITMI, XXXX Unspecifi XXXX. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX loan. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Unspecifi XXXX. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX Auto loan. XXXX isscheduled tocontinue on recorduntil XX/XX/XXXX. 
XXXX & XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX, XXXX Unspecifi ed. Thisinquiry isscheduled to Failure to comply with this request may constitute a violation of federal law, and I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal action if necessary.

Please complete this investigation and provide a written response within the legally mandated 30-day timeframe per the FCRA. You may send your response to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation