Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
XXXX XXXX } { XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX } { CBPB } To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 
Under law 15USC6801 and 15USC6802 requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX Automotive XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX Automotive XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Banks XXXX  Inquiry : XXXX XXXX, XXXX Banks XXXX  XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX  Inquiry : XX/XX/XXXX The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
Sincerely yours, { XXXX XXXX }

Company response to consumer: Closed with explanation