Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this formal dispute as a well-informed consumer who is fully aware of my legal rights under federal law, particularly the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am challenging the reporting of multiple unauthorized and inaccurate hard inquiries on my Equifax credit report. These inquiries were made without my knowledge or consent, and I have not initiated any credit-seeking activity with the entities listed below on the indicated dates. 

Disputed Unauthorized Hard Inquiries : XXXX XXXX XX/XX/year>2025, XX/XX/year>2025, XX/XX/year>2025 XXXX XXXX XXXX XXXX XX/XX/year>2025, XX/XX/year>2025, XX/XX/scrub>/2025 XXXX XXXX XXXX  XX/XX/scrub>/2025, XXXX/XXXX/2025 XXXX XXXX  XX/XX/scrub>/2025, XXXX/XXXX/2025, XXXX/XXXX/2025 XXXX XXXX XX/XX/year>2025 XXXX XXXX  XX/XX/year>2025, XXXX/XXXX/2025 XXXX  XX/XX/scrub>/2025, XX/XX/scrub>/2025, XX/XX/scrub>/2025 XXXX XXXX XX/XX/scrub>/2025, XXXX/XXXX/2025 XXXX XXXX XX/XX/scrub>/2025 XXXX XXXX XXXX XX/XX/scrub>/2025 XXXX XXXX/XXXX/2025 XXXX XXXX XXXX  XXXX  XX/XX/year>2025 These inquiries were neither authorized by me nor initiated by any transaction or application on my part. Their appearance on my credit report is deceptive, misleading, and unlawful under the statutes established to protect the accuracy and integrity of consumer credit information. 

Legal Basis for This Dispute : I invoke the following provisions as legal support : Fair Credit Reporting Act ( FCRA ) : 1681b Inquiries without a permissible purpose 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report accurate information 1681e ( b ) Credit bureaus must ensure maximum accuracy Fair Debt Collection Practices Act ( FDCPA ) : 1692c Prohibits communication without consent 1692g ( a ) Failure to provide written notice of debt 1692d ( 2 ) Use of misleading or harmful language 1692b ( 2 ) Improper third-party disclosure These violations have caused measurable harm, including credit denials, higher interest rates, and emotional distress.

DEMAND FOR REMEDY In accordance with federal law, I demand the immediate deletion of all the above unauthorized inquiries from my Equifax credit report. I further request : A copy of the original signed authorization for each inquiry.

Documentation showing a permissible purpose for the inquiry.

Proof of any credit application or account initiation linked to me.

Failure to comply within 10 calendar days, as per 15 U.S.C. 1692k, may result in civil action for damages stemming from your failure to meet FCRA and FDCPA requirements.

Please be advised : I am not required to provide a Power of Attorney.

You may not use form letters or delay tactics in response.

If you fail to investigate and respond appropriately, I will report this matter to the CFPB, FTC, and my State Attorney General.

Additionally, under 15 U.S.C. 1681n, willful non-compliance or stall tactics will be treated as intentional violations. I am within my rights to use third-party tools or software to draft this dispute and will not tolerate dismissal based on that fact. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation