Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax Security Freeze XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Removal of Unauthorized Credit Inquiries FCRA 604, 609, and Supporting Case Law To Whom It May Concern, I am disputing the following credit inquiries, which were made without my authorization, in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). The law clearly states that a consumer reporting agency may only furnish a consumer report when there is a permissible purpose and with the consumers consent. 

The unauthorized inquiries are as follows XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX, MI XXXX Scheduled to remain until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX Scheduled to remain until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX to remain until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX Scheduled to remain until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Scheduled to remain until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Scheduled to remain until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Scheduled to remain until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX, DE XXXX Legal Basis for Removal FCRA 604 ( a ) ( 2 ) A consumer reporting agency may only furnish a consumer report when it has reason to believe the user intends to use the information for a permissible purpose and with the consumers authorization.

FCRA 611 ( a ) Consumers have the right to dispute any information in their file that is incomplete or inaccurate, and the CRA must investigate and delete unverifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The court held that CRAs must follow reasonable procedures to ensure accuracy, including verifying the legitimacy of inquiries. 

XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The court ruled that obtaining a credit report without a permissible purpose violates the FCRA and subjects the requester to liability. 

XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The court emphasized that a consumers consent is a prerequisite for permissible access to their credit report.

Demand for Action I am requesting the immediate deletion of the above inquiries from my credit file unless you provide documented evidence that I gave written authorization for each one. If you fail to provide such proof, you are required by law to remove these inquiries. 


Please respond in writing within 30 days of receipt as required by the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation