Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint against the credit reporting agency Equifax, and by extension, any furnishers and data furnishers who have failed to properly investigate and remove inaccurate and unauthorized information from my credit file. 

Despite my formal disputes submitted directly to Equifax on XX/XX/XXXX, the following issues remain unresolved : 1. Unauthorized Hard Inquiries FCRA 604 & 609 Violation The following inquiries appeared on my credit report without my knowledge, authorization, or any permissible purpose : 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( 2 entries ) These entries violate the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ) ( 3 ) regarding permissible purposes and 609 ( a ) ( 1 ), which requires credit bureaus to provide the sources and verification for each item. None of these inquiries were authorized by me.

2. Fraudulent or Unverifiable Accounts FCRA 611 & 623 Violation The following accounts are not mine, are fraudulent due to identity theft, or can not be verified : XXXX XXXX XXXX  ( ID Theft ) XXXX XXXX XXXX ( ID Theft ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX XXXX  ( 1 account not mine ) 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 XXXXXXXX ( multiple entries ) These entries were not opened or authorized by me. They violate FCRA 611 ( a ) ( failure to reinvestigate ), and 623 ( a ) ( 5 ) ( furnishing inaccurate or incomplete information ).

3. Incorrect or Outdated Statuses I also request validation or deletion of the following items due to misreporting or outdated statuses : XXXX XXXX reporting an inaccurate status. 

DEPT OF ED / XXXX multiple duplicative and inconsistent accounts. 

These must be verified or removed under FCRA 609 ( c ) and 605 ( b ). 

4. Inaccurate Personal Information Equifax continues to list outdated and incorrect previous addresses, despite formal disputes : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This violates FCRA 609 ( a ) ( 1 ), which guarantees the accuracy and source disclosure of personal identifying information.

5. Affidavit of Truth Attached I provided an affidavit affirming that I am the individual referenced in the file, I am a victim of the XXXX Equifax Data Breach, and I have not authorized any credit repair agency to act on my behalf. All disputes were submitted directly by me. 

Requested Resolution : I demand the permanent deletion of all unauthorized inquiries, fraudulent accounts, unverifiable entries, and incorrect personal information listed above. I request that the CFPB investigate Equifaxs non-compliance and enforce full adherence to the Fair Credit Reporting Act. 

Failure to comply has severely affected my credit score and financial standing, and I reserve my right to pursue damages under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief