Consumer complaint received 2024-11-06 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: FL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, FL XXXX XXXX XXXX Dear Sir, Madam, or to whom elsewise it may concern I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, pursuant to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. I kindly urge you to ensure the precision and legality of all claims in accordance with the XXXX XXXX reporting standard. I also request the provision of physical, verifiable evidence supporting the account 's existence and its legitimate use. If such evidence can not be provided, I request its removal from the report, along with authorization to receive physical documentation of your actions and my updated credit report. 
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, FL XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX Listed below are the Collections that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
I kindly request the removal of the displayed inaccurate Date of Birth from my records. The reported and necessary, accurate, and complete Date of Birth is XXXX. I must assert that I do not grant authorization for the retention or reporting of any personal identifier information that has not been proven to be true, correct, valid, and relevant, and that does not precisely align with the FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS I have submitted. Thank you for your attention to this matter. 
XXXX - XXXX The following personal information is incorrect - The personal data reporting is inaccurate. 
I am writing to bring to your attention the inaccuracy of the information currently held in your records for the account under the name of XXXX and the associated XXXX. As a valued customer, I kindly request that you take prompt action to update your records with correct information, which is essential to meet the minimum standards for accuracy.

I would like to emphasize that failure to correct the inaccurate data may lead to potential legal implications, and therefore, it is imperative to take appropriate measures to rectify the error. Inaccurate information not only undermines the integrity of your records but also affects my credit report, and I respectfully demand that it be removed without any delay. 
XXXX - XXXX The following personal information is incorrect - The personal data reporting is inaccurate. 
I humbly request that you kindly update your records with regard to XXXX and XXXX. I have noticed that the information contained therein is currently inaccurate and does not meet the minimum standards for accuracy. As you XXXX be aware, inaccurate data can have serious implications, and failure to correct it XXXX result in legal action. 
I strongly believe that inaccurate information has no place in your records or on my credit report, and I earnestly demand that it be removed without delay. Your prompt attention to this matter would be greatly appreciated. 
Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
I am writing to bring to your attention an issue related to my account. I would like to request that you kindly update your records to reflect that my sole address is XXXX XXXX XXXX, XXXX, FL, XXXX. It is imperative that my account information is kept up-to-date and accurate, and I trust that you will take the necessary measures to ensure this. I would greatly appreciate your prompt attention to this matter, and I thank you in advance for your cooperation. Please do not hesitate to contact me if you require any further information. 
Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, FL XXXX I would like to bring to your attention that the address associated with my profile is no longer valid and has been deemed undeliverable by the United States Postal Service. In order to prevent any potential instances of identity fraud, I kindly request that you remove this address from my account. It is imperative that this action is taken as soon as possible, and I trust that you understand the gravity of this situation. Moreover, I would like to inform you that I have never resided at this address, and therefore, the personal information linked to it is inaccurate and incomplete. I urge you to please delete this address from my credit file to ensure the correctness and integrity of my credit report. 
XXXX XXXX XXXX  XXXX This account is inaccuarately reporting late payments on multiple bureaus. The discrepancies in the payment status across Equifax, XXXX, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also displays inconsistency in reporting activity dates. - Please update this late payment to " Paid as agreed, never late, '' in compliance with 15 USC 1681 i ( 5 ). This account is reporting inconsistencies and must be corrected to reflect accuracy across all three bureaus, or deleted for non compliance. If the reporting remains inaccurate, the account should be removed immediately to ensure compliance with 15 USC 1681e ( b ).

Please accept my polite request to address the following matter. It has come to my attention that the content mentioned above has not been certified to conform to any reporting standards. Moreover, the data provided is neither verified nor complete, and is also outdated. To comply with reporting obligations and consumer legislation, documentation confirming compliance is required. Unfortunately, the information provided so far is insufficient. Therefore, I humbly request you to kindly remove any inaccurate, incomplete, or unsupported material. 
Additionally, kindly review the image above for XXXX XXXX - XXXX for areas of concern. 
XXXX XXXX - XXXX This account is inaccuarately reporting late payments on multiple bureaus. The discrepancies in the payment status across Equifax, XXXX, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also displays inconsistency in reporting activity dates. - Please update this late payment to " Paid as agreed, never late, '' in compliance with 15 USC 1681 i ( 5 ). This account is reporting inconsistencies and must be corrected to reflect accuracy across all three bureaus, or deleted for non compliance. If the reporting remains inaccurate, the account should be removed immediately to ensure compliance with 15 USC 1681e ( b ).

I would like to express my dissatisfaction regarding the compliance reporting standards and relevant consumer laws documentation, or lack thereof, provided to me in relation to my account with XXXX CU XXXX XXXX. The absence of such documentation represents a significant inadequacy that may have implications for both of us.

I kindly request that you promptly provide me with the documented evidence of compliance reporting standards and relevant consumer laws, or else remove the current report that is deemed flawed and incorrect. Failure to do so may result in legal action for non-compliance with the legal requirements governing these matters.

It is of utmost importance that we are aware of the relevant documentation required to ensure compliance and avoid potential issues in the future. Any lack of accurate information may lead to preventable issues down the road. Therefore, I urge you to address this matter with the utmost urgency. 
XXXX XXXX  - XXXX The collection account shows inconsistencies in bureaus and lacks validation under 15 USC 1692g.

Additionally, the account charge-off status does not align with accurate reporting procedures, violating 15 USC 1681e ( b ), which mandates maximum possible accuracy in credit reporting. - Please validate debt under 1692g. If accurate information and proper validation are not provided, remove this account immediately due to noncompliance with 15 USC 1681 e ( b ). Inaccurate reporting violates my rights as a consumer, and immediate deletion is required from all bureaus.

I am deeply disappointed in your failure to provide documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I demand the immediate deletion of this flawed and inaccurate report. Failure to comply may result in legal action for non-compliance with the relevant legal requirements. It is crucial that we possess accurate information from documentaries to avoid being unprepared for potential future issues that could have been prevented with more care for accuracy over convenience. 
CREDIT COLL XXXX XXXX XXXX XXXX ( b ) collections must be 100 % accurate across all three bureaus. - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT XXXX and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. 
I am writing to bring to your attention the following details pertaining to XXXX XXXX - XXXX. It is important to note that the aforementioned data has not undergone certification to comply with any reporting standards. Consequently, we can not assure its accuracy, currency, or comprehensiveness. Moreover, it is pertinent to highlight that this information may be incomplete, outdated, or lacking support. Therefore, I kindly request the removal of any erroneous or unsupported content from this page. 
XXXX - XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report.

I express my profound disappointment regarding your failure to provide documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I insist on the immediate deletion of this flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is of utmost importance that we have a comprehensive understanding of the content displayed in documentaries, as it enables us to anticipate and address potential issues that may arise in the future. These issues, which could have been prevented had there been a commitment to accuracy over mere convenience, should not catch us off guard. 
Unknown - XXXX 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. 
I would like to bring to your attention that the account identified as Unknown - XXXX has been reported as an unconfirmed alleged XXXX. It appears that you have provided a section of a credit report that pertains to this account number. According to the report, the account is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data that is being reported. It is worth noting that the report underscores the importance of strictly adhering to the established standards for reporting data fields, including the account number. 
XXXX  - XXXX 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. 
We would like to bring to your attention that there appears to be an inconsistency with regards to the XXXX  associated with the displayed XXXX across all three credit reporting agencies. It is imperative to note that any inconsistency, incompleteness, inaccuracy or omission in the reported item is a deviation from the mandatory industry standards for reporting compliance, as per the XXXX XXXX Data-filled Field Formatted reporting compliance standards. Any deviation from these standards could potentially jeopardize the integrity of the data ( as stated in CDIA CRRG 3-4 ), and therefore, the accuracy of the reported item is subject to lawful scrutiny until all aspects of the claim are factually confirmed to be true, correct, complete, timely, physically verifiable, and otherwise undeniably valid, particularly if not compliant with the above-mentioned XXXX XXXX formatted industry requirements. We respectfully request your attention to the following suspect reported data fields alleged for this now contested reported item of injury.

Unknown - XXXX I hereby bring to your attention the details pertaining to the Unknown associated with XXXX. It is important to acknowledge that the data provided above has not undergone certification to meet any reporting standards. Furthermore, it is imperative to highlight that this information may suffer from incompleteness, outdatedness, or lack of support. In light of this, I respectfully request the removal of any erroneous or unsupported material from the aforementioned page. 
XXXX XXXX XXXX 1681q. Obtaining information under false pretense. - I request validation under 15 U.S. Code S 1692g Validation of debts. If information is not Edit provided or the false reporting isn? t removed ; as in Wenger v.

Trans Union Corp., No. 95-6445 C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I am writing to bring to your attention the current discrepancies present in the XXXX XXXX account, as indicated by the account number XXXX, across the three credit reporting agencies. 
It is important to note that any inconsistency, incompleteness, inaccuracy, or omission of reported information can be considered a discrepancy from the industry standard of reporting compliance, which follows the XXXX XXXX Data-filled Field Formatted reporting requirements. Deviating from these standards can jeopardize the integrity of the data, as outlined in the XXXX XXXX XXXX. 
XXXX XXXX XXXX - XXXX 1681q. Obtaining information under false pretense. - I request validation under 15 U.S. Code S 1692g - Validation of debts. If information is not provided or the false reporting isn't removed ; as in Wenger v. Trans Union Corp., No. 95-6445 C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. I request validation under 15 U.S. Code S 1692g - Validation of debts. If information is not Edit provided or the false reporting isn? t removed ; as in Wenger v. Trans Union Corp., No. 95-6445 C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I would like to bring to your attention the matter concerning the alleged XXXX status of XXXX XXXX XXXX  XXXX. It has come to my attention that you have provided a section of a credit report that specifically pertains to the mentioned account number. The report suggests that the account number is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data being reported. I must emphasize that there can be no deviation from the established standards for reporting data fields, including the account number, as indicated in the report. 
INQUIRY PROFESSION XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
INQUIRY PROFESSION - XXXX I have enumerated my concerns regarding your reporting in this document, which is incomplete and does not meet my standards. As per the law, you and the data furnishers are required to certify all aspects of FCRA and XXXX XXXX compliance. This certification must be truthful, accurate, complete, and timely, so as not to infringe on my consumer and civil rights. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
I hereby wish to bring to your attention an issue regarding my credit report that requires your assistance. Recently, I contacted INQUIRY ULTIMIMAGE - XXXX, the entity that placed an inquiry on my credit profile, and requested them to remove their credit inquiry from my credit report, in addition to requesting an immediate cessation of their purported illegal activities. Unfortunately, there has been no response from their office despite the letter being sent over XXXX business days ago. 
As such, I humbly request your intervention in resolving this matter in accordance with the Fair Credit Reporting Act. I request that you promptly initiate an investigation into the inquiry placed on my credit report to determine its authorizing party. Upon completion of the investigation, I kindly request that you remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address provided above if my allegation is validated. If the inquiry is deemed valid, I respectfully request that you furnish me with a full description of the procedures used in your investigation within XXXX business days of the investigation 's completion. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
I trust you are well. I have recently reviewed my credit report associated with INQUIRY - XXXX XXXX and observed an unauthorized inquiry. As per the Fair Credit Reporting Act, it is imperative to ensure that no access to my information occurs without proper consent. Kindly provide me with verifiable documentation regarding the rationale behind this inquiry. Your prompt assistance in resolving this matter is highly appreciated, as it is essential to maintain the accuracy and credibility of my credit report. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
INQUIRY - XXXX XXXX - XXXX XXXX extend my greetings to you and sincerely hope this correspondence finds you well. I would like to raise a matter of concern regarding the unfamiliarity I have with the companies mentioned in my credit report. It has come to my attention that an inquiry has been conducted on my file without my prior knowledge or consent, which leads me to question the legitimacy of this action. I wish to emphasize that any inquiry should only transpire after obtaining my explicit approval. In accordance with the provisions set forth by the Fair Credit Reporting Act, it is imperative that all users possess a valid and permissible purpose to access an individual 's credit report. Thus, I kindly request the removal of this inquiry from my credit file, unless you are able to furnish me with documented evidence substantiating a legitimate and permissible purpose for this inquiry. I genuinely appreciate your utmost consideration and diligence in addressing this matter in a timely manner, as it holds significant importance to me. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
INQUIRY - XXXX - XXXX Kindly be advised that I have no recollection of granting authorization for the inquiry made into my credit report. As per the Fair Credit Reporting Act, it is mandated that prior consent of the consumer be obtained before credit access is permitted for extending credit. 
To ensure my rights are safeguarded as well as yours, I am sending this formal request by mail. I kindly request that you provide me with a copy of the credit application at your earliest convenience or otherwise submit a request to the relevant credit bureaus to rectify any errors found. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
I am writing to bring to your attention a matter concerning my credit report associated with the account under the name of INQUIRY and with the account number XXXX - XXXX. Regrettably, I find myself unfamiliar with the companies mentioned in the aforementioned report. It appears that an inquiry has been made on my file without my prior knowledge or authorization. I must emphasize that such an occurrence should not be feasible unless it has been duly approved by myself in advance. As per the stipulations of the Fair Credit Reporting Act, it is imperative that all parties seeking access to a credit report possess a permissible purpose under the provisions of the act. Hence, I kindly request the removal of this inquiry from my credit file. Alternatively, I would greatly appreciate receiving documentation that substantiates your permissible purpose for conducting this inquiry. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
I trust this message finds you well. I am writing to address a matter concerning my account with INQUIRY and its corresponding XXXX  - XXXX. During a recent review of my credit report, I have come across an unauthorized inquiry. Under the provisions of the Fair Credit Reporting Act, it is imperative to ensure that my personal information remains protected, and access is granted solely with proper authorization. I kindly request your assistance in providing documented justification for the aforementioned inquiry. Your prompt attention to this concern is highly appreciated, and I believe that together, we can ensure the accuracy and integrity of my credit report. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
I hereby bring to your attention the presence of certain unfamiliar entities listed on my credit report under the name INQUIRY and associated with the account number XXXX  - XXXX. It has come to my attention that these companies have made inquiries on my credit file, without my prior knowledge or consent. I would like to emphasize that such an action should not be feasible unless it is duly authorized by me. As per the Fair Credit Reporting Act, it is imperative that all users possess a permissible purpose under the act in order to access a credit report. Therefore, I kindly request the removal of this inquiry from my credit file, unless you can furnish me with proper documentation that substantiates your legitimate purpose for this inquiry. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
Regarding the information provided under the INQUIRY - XXXX - XXXX, I would like to bring to your attention that it has not been verified to meet the necessary reporting standards. Its accuracy, completeness, and currency have not been established, and to ensure compliance with consumer protection laws, documentation proving compliance is required. The information supplied is inadequate, and I am requesting the immediate deletion of any incorrect, incomplete, or unsupported data. 
I would greatly appreciate it if you could provide me with any further information or documentation necessary to address these concerns and ensure that the information provided is compliant with the relevant standards. 
XXXX XXXX XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
I hope this communication finds you well. I am writing to bring to your attention an issue I encountered while reviewing my credit report today. It appears there is an alleged hard inquiry associated with my account INQUIRY - XXXX - XXXX. However, I have no recollection of providing authorization for this inquiry, and thus, I would appreciate receiving documented evidence of the credit application, including a proof of signature, to confirm whether I indeed applied for credit with the mentioned company. If such documentation can not be provided, I kindly request the immediate removal of the alleged inquiries from my credit report. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
I have recently obtained a copy of my credit report and have observed the presence of credit inquiries made by entities for which I do not recall granting authorization. It is my understanding that the placement of an inquiry on my credit file necessitates explicit consent, thus I kindly request the prompt removal of this unauthorized inquiry from my credit file. Additionally, I would greatly appreciate receiving formal documentation confirming that a thorough investigation has been conducted and that the unauthorized inquiries have indeed been expunged. Thank you for your attention to this matter. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
I have recently obtained a copy of my credit report and upon careful examination, I have discovered the presence of credit inquiries originating from companies that I have no recollection of granting authorization to. It is my understanding that it is impermissible to include an inquiry on my credit file without obtaining my explicit consent. Therefore, I respectfully request the prompt removal of this inquiry from my credit file. Additionally, I kindly request that you furnish me with substantiating documentation to confirm that a thorough investigation has been conducted and the unauthorized inquiries have been successfully eradicated. Your immediate attention to this matter is greatly appreciated. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
I have recently obtained a copy of my credit report and upon review, I have discovered the presence of credit inquiries made by companies for which I have no recollection of providing authorization. It is my understanding that placing an inquiry on my credit file necessitates explicit consent from my end. Therefore, I kindly request the prompt removal of this unauthorized inquiry from my credit file. Additionally, I would greatly appreciate receiving documented evidence demonstrating that a thorough investigation has been conducted and the aforementioned unauthorized inquiries have been duly eliminated. Your cooperation in addressing this matter would be highly valued. 
INQUIRY - XXXX  XXXX XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
INQUIRY - XXXX  XXXX XXXX - XXXX As per the requirements of the Fair Credit Reporting Act, it is mandatory for the creditor to verify the written authorization of the consumer that grants permission to review their credit. In case you possess a copy of the credit application, duly authorized and signed by me, authorizing the disclosure of my credit files, I shall consider the inquiry as legitimate. However, if such a signed authorization is not present, I request you to remove the inquiry from the XXXX primary credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Considering the urgency of the matter, I kindly request you to respond to this request within XXXX ( XXXX ) days. Your prompt action in this regard will be highly appreciated. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
INQUIRY XXXX  - XXXX It has come to my attention that an inquiry has been made on my credit file without my prior knowledge or approval. As per the standard practice, an inquiry should only be made with the applicant 's consent. Therefore, I kindly request that the inquiry be removed from my credit file, or alternatively, that you provide me with sufficient documentation indicating that a permissible purpose existed for making the inquiry. 
XXXX XXXX XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
I have attempted to communicate with INQUIRY XXXX - XXXX regarding the credit inquiry they placed on my credit profile. Despite my request for the removal of the inquiry and the cessation of their unlawful activities, they have failed to respond. It has been over XXXX business days since I sent the letter, and I have not received any communication from their office. 
As a result, I am respectfully requesting your assistance in resolving this matter. Pursuant to the provisions of the Fair Credit Reporting Act, I kindly request that you conduct an investigation into this inquiry on my credit report to determine the identity of the authorizing party. If, following the completion of your investigation, you find merit in my assertion, I request that you promptly remove the unauthorized inquiry. Please see attachment

Company response to consumer: Closed with non-monetary relief