I disputed some inquiries that I do not remember doing or recognize. My understanding is that I may dispute anything in my credit file. Then the credit reporting company is to contact the furnishing of the information to the credit bureau to verify. If it is verified then let me know or if its not then delete. Well I received a email from Equifax telling me that inquiries are a factual record and if I disagree than I need to contact the creditor. Well that tells me that Equifax did n't even look into this dispute. That 's not right I have a right to dispute anything in my credit report and the first step in this process is to start with the credit bureaus.. Then they need to do there job and investigate.