Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a formal complaint against Equifax Information Services LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), which have caused me financial hardship, emotional distress, and privacy violations. Equifax has failed to comply with federal laws and has ignored my disputes regarding an inaccurate account on my credit report. 

Violations Committed by Equifax : 1. Failure to Properly Investigate Disputed Account Violation of 15 U.S.C. 1681i I disputed the US Collections West IN account multiple times, yet Equifax continues to verify the account without providing documentation or conducting a reasonable reinvestigation. 

I submitted complaints to the CFPB under case numbers # XXXX and # XXXX, but Equifax has failed to conduct a proper investigation within the required timeframe.

2. Exceeding the 30-Day Investigation Period Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Equifax failed to complete my dispute investigation within 30 days as required by law. 
My disputes submitted through the CFPB were not resolved within the legal timeframe, making this a direct violation of my rights. 

3.Unauthorized Hard Inquiry Violation of 15 U.S.C. 1681b On XX/XX/year>, Equifax placed a hard inquiry on my credit report without my permission, violating my rights under the FCRA. 

According to 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ), Equifax can not access or share my credit report without my written permission, which I never provided. 
Right to Privacy Violation Violation of 15 U.S.C. 1681 Section 602 ( a ) 4.The FCRA states that I have the right to privacy regarding my personal credit information.

Equifaxs failure to correct the unauthorized hard inquiry and inaccurate reporting has violated my right to control my financial data. 

5. Furnishing an Account Without Written Permission Violation of 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Equifax can not furnish a consumer report or account without my written instructions, yet they continue to report the XXXX XXXX XXXXXXXX XXXX account without my consent. 
Harm Caused by Equifax 's Violations : Due to Equifaxs unlawful actions, I have suffered : Higher interest rates on credit cards and financial products. 
Denial of a mortgage, leaving me homeless due to my inability to qualify for financing. 
Emotional distress, frustration, and financial hardship due to Equifaxs negligence.

Resolution Requested : 1. I am demanding immediate action on this matter, including : 2. Immediate removal of the XXXX XXXX XXXX  XXXX account from my credit report : 3. Immediate removal of the unauthorized hard inquiry from XX/XX/year>. 
Statutory damages of {$1000.00} per violation, totaling {$5000.00}, for Equifaxs FCRA violations. 

XXXX. Written confirmation that Equifax has corrected my credit report and will comply with FCRA regulations. 

Equifaxs repeated failure to comply with federal law is unacceptable, and I expect the CFPB to take action to hold them accountable.

Company response to consumer: Closed with explanation