Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13331313
Complaint Overview
Complaint ID: 13331313
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Illinois
ZIP Code: 60473
Date Received: 2025-05-04T12:00:00-05:00
Date Sent to Company: 2025-05-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Equifax I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I initiate any application for credit or services that would justify such actions. Upon reviewing my credit report, I identified the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : [ XX/XX/XXXX ] XXXX. XXXX XXXX [ XX/XX/XXXX ] According to the Fair Credit Reporting Act ( FCRA ), only entities with a permissible purpose and my explicit authorization may conduct a hard inquiry on my credit report. Since I did not authorize these inquiries, they constitute a violation of my rights under the FCRA. Requested Action : I am requesting that these unauthorized inquiries be investigated and permanently removed from my credit report. Please provide written confirmation once the deletions have been completed. I am also requesting the name and contact information of any entity that verified or accessed my credit file without my permission. Enclosed are copies of my government-issued ID and a recent piece of mail to confirm my identity, as required. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13331313 about?
Complaint #13331313 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-04T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.