Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXDate: XXXX XXXX XXXXExperian\nDispute Department\nXXXX XXXX XXXX TX XXXX: Immediate Removal of Unauthorized Hard Inquiries  Identity Theft Victim Statement\n\nTo Whom It May Concern,\n\nI am writing to formally dispute and demand the removal of multiple unauthorized hard inquiries listed on my Experian credit report. These inquiries were not initiated by me and are a direct result of identity theft. I have filed a formal FTC Identity Theft Report, placed a fraud alert on my credit file, and am actively working to rectify the fraudulent activity committed under my name.\n\nBackground and Evidence of Compromise:\n\nMy identity was compromised during a verified data breach involving XXXX XXXX XXXX XXXX as confirmed in an official notice I received dated XXXX XXXX XXXX. This breach exposed my Social Security number, date of birth, contact details, and account credentials. The timeline of this breach aligns precisely with the onset of fraudulent credit inquiries and account applications that appeared on my credit file in XXXXn\nUnauthorized Inquiries to Be Removed:\n\nThe following hard inquiries were not initiated or authorized by me and must be permanently removed under the Fair Credit Reporting Act (FCRA 604(a)(2) and 1681b(f)):XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries were part of fraudulent applications for auto loans, credit cards, and other services without my consent or involvement.\n\nNot Being Disputed:\n\nFor clarity, I am not disputing the following inquiries, as they are legitimate:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nLegal Grounds for Dispute:\n\nUnder the Fair Credit Reporting Act, I have the right to dispute inaccurate or unauthorized information:\n\t\tFCRA 604(a)(2): Credit reports may only be accessed with consumer authorization or for a permissible purpose.\n\t\tFCRA 1681b(f): It is unlawful to obtain a consumer report under false pretenses.\n\t\tFCRA 611: Requires consumer reporting agencies to reinvestigate disputed information.\n\t\tFCRA 605B: Mandates blocking of information resulting from identity theft upon receipt of an identity theft report.\n\nThese inquiries violate multiple sections of the FCRA and reflect the use of my stolen identity by third parties without my knowledge or consent.\n\nEnclosed Supporting Documents:\n\t\tFTC Identity Theft Report and Affidavit\n\t\tGovernment-issued photo ID (Drivers License)\XXXX XXXX XXXX XXXX  Data Breach Notification Letter\n\nI am requesting that Experian immediately remove all of the unauthorized inquiries listed above and provide written confirmation once the dispute has been resolved. Please also update my credit file accordingly.\n\nThank you for your time, cooperation, and compliance.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation