Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
COMBINED CONSUMER DISPUTE SUMMARY & LEGAL NOTICE Re : Ongoing FCRA Violations by Experian, TransUnion, and Equifax Unauthorized Inquiries, Incomplete Dispute Handling, Credit Access Interference, and Potential Discrimination To Whom It May Concern, This communication serves as a formal summary of disputes and legal notice regarding my ongoing complaints filed through the Consumer Financial Protection Bureau ( CFPB ) against Experian, TransUnion, and Equifax. I am addressing serious and unresolved violations of the Fair Credit Reporting Act ( FCRA ) and the resulting financial and reputational harm caused by each agencys failure to fulfill their legal obligations. 

Please note : I am represented by legal counsel. This letter is being submitted strictly for documentation and record-keeping purposes and does not waive any legal claims or rights I may pursue through my attorney.

1. Unauthorized Hard Inquiries Partial Removals, Experian Noncompliance I have disputed numerous unauthorized hard inquiries reported on my credit file, made without my knowledge, consent, or permissible purpose under FCRA 604. I did not initiate or authorize the credit pulls in question, and no bureau has produced documentation verifying a valid authorization.

Status : TransUnion and Equifax have deleted some inquiries in partial compliance. 
Experian has taken no action and has refused to remove or verify even one unauthorized inquiry.

Under FCRA 609 and 611, Experian is required to delete unverifiable information. Its refusal to do so constitutes willful noncompliance.

2. Improper Delay and Dispute Obstruction Experian has redirected my dispute through alternate portals without resolving it through official channels, violating FCRA 611.

TransUnion imposed a 60-day delay with no legal justification under the nature of my dispute. 
Equifax, while partially responsive, has not confirmed full resolution or deletions. 

These delays represent improper handling of disputes and obstruct my lawful right to timely investigation and correction. 



3. Additional Dispute Items Ignored Across all three credit bureaus, I raised additional concerns that remain unaddressed : Inaccurate personal information, including outdated or incorrect addresses and employment data.


Possible mixed or merged credit file errors.

Unverifiable, incomplete, or outdated accounts still being reported.

These items were clearly listed in my original complaint, and failure to address them constitutes incomplete investigation.

4. Denial of Credit and Financial Harm Because of the presence of these unauthorized inquiries and unresolved credit file errors, I have been denied credit and unable to secure necessary personal and business financing. This has caused financial loss, reputational damage, and material interference in my ability to advance economically.

5. Racial Identity and Disparate Treatment Concerns Although credit bureaus do not officially track race, I am a XXXX consumer, and my name clearly identifies me as such. I must raise the concern that Experians complete inaction, in contrast with at least partial cooperation from TransUnion and Equifax, may reflect disparate treatment. All three bureaus received identical disputes and documentation, yet only Experian has failed to take any corrective action. 

I am formally documenting this concern for review and reserve the right to escalate this issue as a civil rights violation through appropriate legal and governmental channels.

Company response to consumer: Closed with explanation