Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
Dispute of Unauthorized Credit Inquiries Immediate Removal Request Under FCRA, This is my 3rd request to the credit bueraus, FTC, and CFPB Laws Dear Credit Bureau Fraud Representative : I am writing to dispute multiple unauthorized hard credit inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a credit report may only be accessed with my express consent, and only for a permissible purpose by ; aw and with my human signature. Yet there are numerous entries across all three credit bureaus that were never authorized. These inquiries have negatively impacted my credit score and occurred within a tight timeframe, further suggesting unauthorized activity. Here is a detailed breakdown of the unauthorized/ fraudulent disputed inquiries, by company name and date : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or XXXX day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX on XX/XX/XXXX Business Type : Bank Credit Cards Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX Business Type : Bank Credit Cards Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or XXXX day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or XXXX day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Credit Union Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX  Inquired on XX/XX/XXXX Business Type : Mortgage Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or XXXX day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or XXXX day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXXXXXX XXXX Inquired on XXXX XXXX and XXXX XXXX, XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or XXXX day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or XXXX day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX and XX/XX/XXXX Business Type : Credit Unions Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or XXXX day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or XXXX day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX Inquired on XXXX XXXX, XXXX and XX/XX/XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Automotive - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Credit Unions/Auto Loan Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance Companies - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies/Auto Dealership- Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or XXXX day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX Business Type : Credit Unions/Auto Loan Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXXXXXX XXXX Inquired on XXXX XXXX and XXXX XXXX, XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. Thank you in advance for your cooperation.

Company response to consumer: Closed with explanation