Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13419179
Complaint Overview
Complaint ID: 13419179
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: Florida
ZIP Code: 33157
Date Received: 2025-05-08T12:00:00-05:00
Date Sent to Company: 2025-05-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because I have discovered multiple unauthorized hard inquiries on my credit report that I did not initiate or consent to. These inquiries were made by various institutions between XX/XX/XXXX and XX/XX/XXXX and were pulled from my credit files with TransUnion, Equifax, and Experian. Under the Fair Credit Reporting Act ( FCRA, XXXX USC XXXXb ( c ) ), hard inquiries may only be made with the consumers written permission or in connection with a firm offer of credit that the consumer initiates. I did not apply for credit, authorize any of these companies to access my reports, nor did I have any existing business relationship with them. I have disputed these inquiries with all three credit bureaus for over four months, requesting they initiate formal investigations and remove the unauthorized inquiries. To date, I have received no resolution, no investigation results, and the inquiries remain. The inquiries I am disputing are as follows : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian These inquiries were made without my knowledge or authorization and have negatively impacted my credit score. I am requesting that the CFPB : Require the credit bureaus to investigate and remove these unauthorized inquiries. Hold the inquiring companies accountable for violating FCRA guidelines, if no permissible purpose can be proven. I take the privacy and accuracy of my credit file very seriously and ask for the Bureaus help in enforcing my rights under federal law.
Frequently Asked Questions
What is Complaint #13419179 about?
Complaint #13419179 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 2025-05-08T12:00:00-05:00.
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.