Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
Dear Equifax, I am writing to dispute and demand the immediate removal of the following hard inquiries that appear on my Equifax credit report. I confirmed I am victim of the Equifax data breach, which exposed my personal information, making me more vulnerable to fraudulent activity. I did not authorize these inquiries. The inquiries in question are : Inquiry from : XXXX, XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX, XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from : XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from : XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX, XXXX XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from : XXXX  XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX  XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXXXX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX  XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX As required under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I am notifying you of this unauthorized activity on my credit report. These inquiries were not initiated or approved by me.

Violations by Equifax Failure to Block Information Resulting from Identity Theft ( FCRA, 15 U.S.C. 1681c-2 ) : As a victim of identity theft, I have the right to have fraudulent inquiries blocked from my credit report within four business days of submitting my request. You have failed to comply with this requirement.

Failure to Conduct a Reasonable Investigation ( FCRA, 15 U.S.C. 1681i ) : Despite notifying you of the fraudulent activity, you have not conducted a proper reinvestigation of the disputed inquiries or provided a valid explanation for their continued presence on my report.

Reporting Inaccurate Information ( FCRA, 15 U.S.C. 1681e ( b ) ) : Continuing to report unauthorized inquiries that were clearly disputed and documented as fraudulent demonstrates your failure to ensure maximum accuracy in my credit file.

Failure to Notify Data Furnishers of a Dispute ( FCRA, 15 U.S.C. 1681i ( a ) ( 2 ) ) : If you did not notify the companies responsible for these inquiries of my dispute, you are further in violation of your obligations under the FCRA.

Negligence Related to Data Breach Protections : As a victim of the Equifax data breach, your failure to act promptly and responsibly in addressing identity theft claims stemming from your negligence exacerbates the harm caused by the breach.

I demand the immediate removal of these inquiries from my credit file and a written confirmation once the inquiries have been removed

Company response to consumer: Closed with non-monetary relief