Consumer complaint received 2025-05-02 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: VA

Complaint narrative:
This is now the sixth timeI am disputing fraudulent hard inquiries on my credit report. I am formally demanding, under my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act that these unauthorized inquiries be removed immediately as they are damaging my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never authorized these companies to conduct a hard pull on my credit report. I have already contacted each of these creditors, and they have confirmed that they have no record of any inquiry under my name. As per the FCRA Section 604, a consumer report may only be accessed with permissible purpose. Since I never gave my consent for these inquiries, they are a clear violation of 15 U.S. Code 1681b and must be deleted from my file immediately.

Additionally, under 15 U.S. Code 1681i, you are required to investigate and correct any inaccurate or unverifiable information within XXXX days. Since I have disputed these inquiries multiple times without resolution, Equifax is now in direct violation of the law. Continuing to report inaccurate information after being notified is a willful violation of the FCRA, and I will not hesitate to escalate this matter legally if necessary. 

Furthermore, I have an Identity Theft Report and have enclosed a copy for your reference. Since these inquiries were unauthorized and fraudulent, they should be permanently deleted under FCRA Section 605B, which mandates removal upon proof of identity theft. I am tired of putting in my time and the last thing i hear from you guys is dear XXXX give us XXXX days for further bla and bla like I am really tired since you guys are not helping me. 

# Demand for XXXX XXXX : XXXX. REMOVE the fraudulent hard inquiries from my Equifax credit report immediately. 
XXXX. Provide a written confirmation that these inquiries have been deleted. 
XXXX. If you refuse to comply, provide the exact details of who authorized these inquiries, including proof of signed consent. 

Despite filing multiple disputes ( now my sixth ), I continue to receive the same generic and unhelpful responses. 

I have contacted the listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they have each confirmed that they no longer retain any records due to the applications being incomplete or beyond their XXXX retention window. These accounts never became active and were the result of identity theft. I have also filed a police report ( Report XXXX : XXXX ) to document the fraud officially. 

Your responses continue to refer me back to the creditors, despite them explicitly stating they can not help, and despite your legal obligation under the FCRA to investigate and resolve disputes accurately and fairly. I have already complied with all necessary procedures, and yet my concerns remain unresolved, causing ongoing harm to my credit and well-being. 

Let me be clear : these are fraudulent inquiries and accounts tied to identity theft, and you are refusing to take meaningful action to correct my file. This is unacceptable. 

If this matter is not resolved promptly and my credit report updated accordingly, I will consider pursuing legal action for failure to comply with the FCRA and for continued harm caused by negligence. 

Please escalate this matter to a supervisor or legal compliance team immediately and provide a clear, case-specific response not a template. I expect written confirmation of actions taken to correct my file

Company response to consumer: Closed with explanation