Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding multiple unauthorized and potentially duplicated hard inquiries that have appeared on my credit report without my knowledge, consent, or permissible purpose, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. These unauthorized inquiries are negatively affecting my credit score, reputation, and access to financial opportunities.

Despite not applying for credit or authorizing these entities to pull my report on or around the dates listed, the inquiries remain on my report, which is not only harmful but also unlawful under federal law. I have tried to address this with the credit bureaus, but the issues remain unresolved.

Disputed Hard Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX o Issue : Unauthorized Inquiry o Law Violated : FCRA 604 ( a ) ( 3 ) [ 15 U.S. Code 1681b ] No permissible purpose o Details : I did not authorize XXXX XXXX XXXX  to access my credit report. No application was made on or near this date. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX o Issue : Duplicate Inquiry / No authorization o Law Violated : FCRA 604 ( a ) ( 3 ) ; 607 ( a ) Duty to ensure accurate information o Details : This appears to be a duplicate of the previous inquiry. Its suspicious and improperly damaging. 
XXXX. XXXX XX/XX/XXXX o Issue : Third unauthorized inquiry on same date o Law Violated : FCRA 604 ( a ) ( 3 ) ; 605 ( a ) ( 5 ) Obsolete or inaccurate information o Details : This variation of the previous entities accessed my report again without consent. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX o Issue : No application submitted o Law Violated : FCRA 604 ( a ) ( 3 ) ; 15 U.S.C. 1681b ( c ) Must have specific consent for firm offer of credit o Details : I have no record of applying with this entity. 
XXXX. XXXX XXXX XX/XX/XXXX o Issue : Auto dealership inquiry without consent o Law Violated : FCRA 604 ( a ) ( 2 ) Written instructions required o Details : I never applied for financing with XXXX XXXX. This appears as an unauthorized pull. 
XXXX. XXXX XXXX XX/XX/XXXX o Issue : No authorization given for auto loan inquiry o Law Violated : FCRA 604 ( f ) It is unlawful to obtain a consumer report under false pretenses o Details : This was not initiated or approved by me. 
XXXX XXXX XXXX o Issue : Credit pulled without permissible purpose o Law Violated : FCRA 604 ( a ) ( 3 ) ; 616 Civil liability for willful noncompliance o Details : No application was submitted t
o XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX o Issue : Improper inquiry o Law Violated : FCRA 604 ; 615 Adverse action procedures not followed o Details : No financing request or consent for XXXX XXXX XXXX to access my report. 
XXXX XXXX XXXX XXXXXX/XX/XXXX o Issue : No authorization given o Law Violated : FCRA 604 ( a ) ( 3 ) ; 616 o Details : I have not applied for any vehicle loan with XXXX. This inquiry should be removed. 
XXXX. XXXX XXXX XX/XX/XXXX Issue : Inquiry made without my approval Law Violated : FCRA 604 ( a ) ( 3 ) ; 607 ( b ) Details : This institution did not have legal permission to access my credit file. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized bank inquiry Law Violated : FCRA 604 ; 609 Right to full disclosure Details : I did not initiate any application or give consent to XXXX XXXX XXXXXXXX. 
Requested Resolution : I respectfully request the following : 1. Immediate removal of all above-listed unauthorized or duplicated inquiries from all three major credit bureaus ( Experian, Equifax, TransUnion ) .

2. A full investigation and documentation of how and why these entities were allowed access to my consumer report.

3. Enforcement of my consumer rights under FCRA, and if applicable, civil penalties under FCRA 616 and 617 for willful or negligent violations.

Attachments : Proof of identity Copy of credit report showing unauthorized inquiries Any correspondence previously submitted to the credit bureaus Declaration : I declare under penalty of perjury that the information provided in this complaint is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation