Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15365505
Complaint Overview
Complaint ID: 15365505
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: California
ZIP Code: 95843
Date Received: 2025-08-18T12:00:00-05:00
Date Sent to Company: 2025-08-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Between XX/XX/XXXXXXXX and XX/XX/XXXX, several unauthorized hard inquiries appeared on my credit reports with XXXX, Equifax, and XXXX. I never gave written authorization nor established a permissible purpose with the companies listed below, yet they accessed my consumer report. Details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These companies accessed my credit report without my consent and without a legally permissible purpose, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ). I request the immediate deletion of these inquiries from my credit reports, an updated corrected credit file, and confirmation of the actions taken. If these companies believe they had authorization, I demand documented proof of my written consent.
Frequently Asked Questions
What is Complaint #15365505 about?
Complaint #15365505 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 2025-08-18T12:00:00-05:00.
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.