Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Follow-Up Dispute Unauthorized Credit Inquiries Still Appearing To Whom It May Concern : I am writing in response to the communication I received in distress regarding my dispute of unauthorized inquiries on my Equifax credit file. While Equifaxs response claims these items are not currently reporting, I verify that they are still listed as hard inquiries on my Equifax report as of XX/XX/XXXX. Specifically, the following inquiries continue to appear despite my dispute : XXXX, XXXX ( noted on your letter as XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have never done business with these entities, nor have I initiated or authorized any credit application with them. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), only those with a valid, documented permissible purpose may legally access my credit report. Because I never granted consent, these inquiries are unauthorized and must be removed without delay.

1. Inaccurate Equifax Response Your recent letter asserts that these items are not currently reporting. This statement conflicts with the reality that they remain visible under Hard Inquiries on my Equifax credit file. Their continued presence is damaging my creditworthiness and is in violation of the FCRA. 

XXXX. Reasonable Reinvestigation Obligations Under 15 U.S.C. 1681i ( a ) ( 1 ), Equifax is required to conduct a reasonable reinvestigation upon receiving a dispute. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) compels Equifax to delete unverifiable or inaccurate information. Simply relying on automated verification ( e.g., e-OSCAR ) without obtaining substantive proof of permissible purpose does not satisfy the FCRAs reasonable reinvestigation standard. I explicitly do not consent to an exclusively automated approach that fails to verify the authenticity of these inquiries.

3. Method of Verification Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed method of verification. Specifically, please provide : Names, job titles, and direct contact information ( address, phone, email ) of the person ( XXXX ) at each furnisher who confirmed these inquiries as valid. 
Copies of all documentation demonstrating I granted permission or initiated contact justifying these inquiries. 
A clear explanation of the steps Equifax took to investigate my dispute, beyond automated processes, to confirm these inquiries were authorized. 
Should Equifax be unable to produce legitimate, documented evidence of permissible purpose, these inquiries must be removed from my credit file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ).

4. Ongoing Violation and Harm Your failure to correct these inaccuracies, despite multiple attempts to resolve them, may expose Equifax to liability under 15 U.S.C. 1681n ( willful violations ) and 1681o ( negligent violations ). These unauthorized inquiries have compromised my ability to obtain credit on favorable terms and continue to cause me financial harm.

5. Requested Action and Remedy Immediately remove the unauthorized inquiries listed above from my Equifax credit file. 
Provide me with written confirmation of their permanent deletion. 
Send me an updated copy of my Equifax credit report reflecting these removals. 
Supply the method of verification details in writing, including any documentation Equifax relied upon during its investigation.

Pursuant to 15 U.S.C. 1681n, I reserve the right to seek {$1000.00} per violation for any willful FCRA noncompliance.

I appreciate your prompt cooperation in resolving this matter. If Equifax can not verify a permissible purpose for these inquiries, they must be deleted immediately to comply with federal law. Failure to do so may necessitate further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation