Consumer complaint received 2025-07-07 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: NV

Complaint narrative:
I am filing this complaint as a third-round escalation against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ), following my identity theft dispute originally submitted on XX/XX/XXXX, and escalated again on XX/XX/XXXX. 

Despite providing a complete FTC Identity Theft Report, government-issued ID, and proof of address as required under FCRA 605B Equifax has failed to fully remove the unauthorized hard inquiries from my credit report. As of XX/XX/XXXX, only a few inquiries were removed. The remaining entries are still present and continue to cause harm, in direct violation of your federal obligations. 

Equifaxs previous response relied on generic policy language inquiries are factual records of file access which does not override federal law. Policies are not law. FCRA 604 ( c ) ( 1 ) ( A ) explicitly requires written authorization before any entity may access a consumers file. Equifax failed to confirm whether any such authorizations exist. The burden is on the bureau to verify lawful access not on the consumer to chase down each furnisher, especially after identity theft has been reported. 

Moreover, under 605B ( a ), once an FTC Identity Theft Report and supporting documentation are received, the agency must block and remove any information resulting from fraud. No reinvestigation is even required at this stage the law is clear. Refusing to remove the remaining inquiries is a direct violation of 605B and 611, and constitutes willful non-compliance. 

These are the remaining disputed inquiries that Equifax continues to report illegally : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am not requesting goodwill or a favor. I am demanding that Equifax comply with federal law and its statutory responsibilities as a consumer reporting agency. You can not ignore a valid identity theft report and hide behind internal policies. 

My formal demands : Immediate removal of all remaining disputed inquiries under 605B.

Written confirmation of whether any written authorization exists for each furnisher.

Full documentation of your reinvestigation under 611 ( a ), if one was conducted. 

A clear legal justification for retaining these inquiries post-identity theft report not policy language. 

If these demands are not met within 15 days, I will initiate the following : File individual CFPB complaints against each furnisher listed above.

Submit complaints to the FTC, State Attorney General, and Consumer Protection Bureau. 

Engage legal counsel to pursue damages under FCRA 616 and 617, including statutory and punitive damages for willful violations. 

You are not above the law. Your obligation is to the consumer not to data furnishers and the law mandates action when identity theft is properly documented. I expect a full resolution

Company response to consumer: Closed with non-monetary relief