Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14903809
Complaint Overview
Complaint ID: 14903809
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: Pennsylvania
ZIP Code: 19027
Date Received: 2025-07-26T12:00:00-05:00
Date Sent to Company: 2025-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
: Unauthorized Hard Inquiries on My Credit Report Report Date : [ Insert Report Date ] SSN ( last 4 digits ) : XXX-XX- [ # # # # ] To Whom It May Concern : I am writing to formally dispute unauthorized hard inquiries that appear on my credit report maintained by your bureau. These inquiries were made without my knowledge or explicit consent, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, and Pennsylvanias Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 et seq. ). The following hard inquiries are unauthorized and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 604 ( a ) ( 3 ), a credit reporting agency may only furnish a consumer report if the party requesting it has a permissible purpose. I did not authorize any of the above entities to access my credit file, and I demand proof of permissible purpose in accordance with FCRA 609 ( a ) ( 1 ). Furthermore, Pennsylvania law prohibits the use of deceptive or misleading practices in connection with credit extensions. Unauthorized inquiries may constitute an unfair credit practice under 73 P.S. 2270.4. I am asserting my rights under both state and federal law. If you can not provide documented proof of my authorization or the permissible purpose for each inquiry listed above, these inquiries must be removed within 30 days as required by FCRA 611 ( a ). If this matter is not resolved, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. I am also prepared to pursue legal remedies for willful noncompliance, which may include statutory damages under FCRA 616 and 617. Please confirm in writing when the unauthorized inquiries have been deleted.
Frequently Asked Questions
What is Complaint #14903809 about?
Complaint #14903809 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 2025-07-26T12:00:00-05:00.
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.