Consumer complaint received 2025-04-10 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: DE

Complaint narrative:
Hard Inquiry Dispute Letter ( FCRA + Permissible Purpose Demand ) XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Request for Permissible Purpose Documentation Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute the reporting of multiple hard inquiries that appear on my credit file. The inquiries in question are : XXXX ( XXXX Hard Inquiries ) : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Automotive - XX/XX/XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX were authorized by me and that I did not initiate any credit application, loan, service, or account with these entities. Under the Fair Credit Reporting Act ( FCRA ) Section 604, any entity that pulls a consumers credit report must have a valid permissible purpose.

I have filed an FTC Identity Theft Report regarding these unauthorized hard inquiries, which provides additional documentation to support my dispute. I am requesting that you review this report as part of your investigation into the validity of the inquiries listed. 

I request that you immediately : Provide written documentation that proves each entity had a permissible purpose to access my credit report. 
Include a copy of the application or consent form I supposedly signed authorizing these inquiries. 
If the bureau or the inquiring entities can not provide valid documentation proving authorization, the inquiries must be removed from my credit report immediately under FCRA guidelines. 

Additionally, I request that you include a description of the procedure used to verify the legitimacy of these inquiries under FCRA Section 611 ( a ) ( 7 ). If no proof exists, and the inquiries can not be validated, these entries must be deleted from my credit file. 

Please consider this letter a formal dispute under the FCRA and ensure that this matter is fully investigated. I expect a response and resolution within 30 days from receipt of this letter, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation