Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14089569
Complaint Overview
Complaint ID: 14089569
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Nevada
ZIP Code: 89115
Date Received: 2025-06-15T12:00:00-05:00
Date Sent to Company: 2025-06-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Re : Request for Removal of Unauthorized Hard Inquiries Dear [ Equifax / Experian / TransUnion ], I am writing to formally dispute several hard inquiries that appear on my credit report. I reviewed my credit report recently and noticed that the following inquiries were made without my knowledge or authorization : Unauthorized Hard Inquiries : Creditor Name : [ global lending services ] Date of Inquiry : [ XX/XX/year> ] Creditor Name : [ XXXX XXXX ] Date of Inquiry : [ XX/XX/year> ] creditor name : [ XXXX XXXX XXXX XXXX date of Inquiry : XX/XX/year> XXXX XXXX XXXX date of inquiry XX/XX/year> stellantis financial/def date of inquiry XX/XX/year> ally financial date of inquiry XX/XX/year> prestige financial date of XXXX XXXX XXXX XXXX date of inquiry XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that I believe is inaccurate or unverified. I do not recall authorizing these credit checks and have never applied for credit with the listed companies. Therefore, I am requesting that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Please provide me with documentation that proves I authorized these inquiries. If you are unable to verify that I gave proper consent, I respectfully request that these hard inquiries be removed immediately from my credit profile. Attached are copies of my identification and a utility bill to confirm my identity and address. I would appreciate a written response within 30 days of receipt of this letter, as required by the FCRA. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #14089569 about?
Complaint #14089569 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 2025-06-15T12:00:00-05:00.
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.