Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14675243
Complaint Overview
Complaint ID: 14675243
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: 33411
Date Received: 2025-07-15T12:00:00-05:00
Date Sent to Company: 2025-07-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
* * Subject : * * Request for Immediate Removal of Unauthorized Credit Inquiries Pursuant to 15 U.S. Code 1681b Dear Experian Dispute Department, I am writing to formally dispute the legitimacy of several inquiries listed on my Experian credit report. After reviewing my file, I have identified multiple inquiries that were made without my knowledge or authorization and do not meet the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S. Code 1681b * *. Under the FCRA, consumer reporting agencies are prohibited from releasing a consumer 's credit report without a permissible purpose, such as the consumer 's written instruction or in connection with a credit transaction the consumer initiated. I did not authorize the inquiries listed below, nor did I initiate transactions that would justify these hard pulls. These inquiries are having a negative impact on my credit score and are impairing my ability to secure loans and obtain competitive rates. I therefore request that these inquiries be * * removed immediately * * : -- - * * List of Disputed Inquiries : * * * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX XXXX * * XXXX XXXX * * XX/XX/XXXX * * * XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXXs * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX * * * XXXX XXXX XXXX * * XX/XX/XXXX -- - These inquiries are in violation of * * 15 U.S. Code 1681b * * as there is no permissible purpose for accessing my credit file. I request that you conduct a full investigation and remove these inquiries from my report. If Experian believes that any of the listed inquiries were lawfully made, I ask that you provide documentation showing the name of the party that certified a permissible purpose, along with any written authorization from me. If these inquiries are not removed or properly validated within a reasonable timeframe, I will be forced to escalate this matter by filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * * and other appropriate regulatory bodies. I also reserve the right to pursue legal action for any continued violations of my rights under the FCRA. Please confirm in writing that these unauthorized inquiries have been removed from my credit report. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Frequently Asked Questions
What is Complaint #14675243 about?
Complaint #14675243 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 2025-07-15T12:00:00-05:00.
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.