Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
YOUR COMPLAINT Complaint Summary I am filing this complaint because Equifax continues to report multiple unauthorized hard inquiries on my credit report despite my repeated disputes and submission of supporting documentation. Under the FCRA, credit reporting agencies are obligated to remove information that can not be verified. Unauthorized inquiries : In XXXX I discovered five hard inquiries that I did not authorize. These inquiries were made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I have no relationship with these companies and did not apply for credit through any of them. I do not have a mortgage loan, yet some of the inquiries are labelled as mortgage inquiries. Steps taken to resolve : Upon finding these inquiries, I immediately froze my credit profiles and placed fraud alerts with all three major credit bureaus. I filed an FTC Identity Theft Report ( # XXXX ) and provided Equifax with a copy of the report along with a copy of my drivers license and Social Security card. I have called Equifax multiple times, filed disputes online, and e-mailed copies of my identity documents and uploaded with online disputes as i was told by their online representatives. Equifax has confirmed receipt of my dispute, yet the inquiries remain. Legal basis : Permissible purpose : The FCRA allows consumer reporting agencies to furnish a report only for specific purposes, such as when the user intends to extend credit, employment, insurance underwriting, or other legitimate needs. If a company requests a credit report without a permissible purpose, the inquiry is unauthorized. Reinvestigation and deletion : When a consumer disputes the accuracy of information on their file, the credit reporting agency must conduct a reasonable reinvestigation and delete the disputed item if it is inaccurate or can not be verified. The credit bureau must complete this reinvestigation within 30 days and notify the furnisher of the dispute. Removal of unverifiable information : The CFPB and FTC have emphasized that the FCRA requires credit reporting companies to remove information that can not be verified. Keeping unverifiable information on a report violates the statute. Relief sought : Despite following all required procedures, Equifax has refused to remove the unauthorized inquiries or provide evidence of permissible purpose. I request that the Consumer Financial Protection Bureau compel Equifax to : 1 ) Remove all these inquiries that can not be verified as authorized by me. 2 ) Confirm in writing that the unauthorized inquiries have been deleted and will no longer affect my credit standing. Please also consider whether Equifaxs failure to remove unverifiable information after receiving my FTC Identity Theft Report and supporting documentation constitutes a violation of 15U.S.C. 1681b and 1681i, and take any appropriate enforcement actions.

Company response to consumer: Closed with explanation