Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I am submitting this complaint because I have continuously tried to correct the inaccuracies and unauthorized inquiries appearing on my credit reports, yet all three credit reporting agenciesExperian, Equifax, and TransUnionhave failed to take meaningful corrective action despite my repeated disputes and documented efforts to have the matter resolved. It has become apparent that my disputes have not been handled in good faith or with the level of diligence required under the Fair Credit Reporting Act ( FCRA ). My requests were specific, well-supported, and made within my full rights under the law, but the outcome so far reflects either neglect or non-compliance with the obligations imposed on credit bureaus to ensure that consumer information remains accurate, fair, and verifiable. Under FCRA 604 ( a ) ( 3 ), 15 U.S.C. 1681b ( a ) ( 3 ), a credit reporting agency may only include or furnish inquiries when there is a valid permissible purposesuch as a legitimate credit application, employment background check, or insurance underwriting. In my case, I have discovered numerous inquiries that I neither initiated nor authorized, and there is no verifiable documentation that shows I gave any consent for these entities to access my credit files. On my Experian report, there are entries such as 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 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 XXXX XXXX XXXX XXXX XXXX and others that I never consented to. These inquiries remain on my file even after I submitted formal disputes. My Equifax file shows similar patterns of unauthorized access, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX none of which were authorized, initiated, or verified. Despite my detailed disputes citing the applicable FCRA provisions, not a single one of these inquiries has been deleted or justified with any valid documentation. This failure strongly indicates that no genuine reinvestigation has taken place. TransUnion has likewise failed to act on multiple unauthorized inquiries, such as 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries remain on my report without any proof that I provided permission, and there has been no documentation provided to me that demonstrates a permissible purpose under the FCRA. Under FCRA 611, 15 U.S.C. 1681i, I exercised my right to dispute and request the removal of inaccurate and unverifiable information. The law is clear that once a consumer files a dispute, the credit bureau must conduct a reasonable reinvestigation and delete any item that can not be verified. Despite this, the same unauthorized inquiries continue to appear across all three bureaus, and not a single agency has provided any written evidence or permissible purpose documentation supporting these inquiries. This failure represents a serious breach of their duty to maintain accuracy and completeness in consumer files. The burden is not on me to prove these inquiries are unauthorizedit is on the bureaus and furnishers to verify that they are lawful. Additionally, FCRA 609 ( a ) ( 1 ), 15 U.S.C. 1681g, grants me the right to obtain full disclosure of all information in my file, including the sources of inquiries and any records proving that I consented to each one. Despite my requests for such disclosures, I have not received any substantive documentation from any of the credit bureaus. Their responses have been limited to generic statements or automated replies indicating that the inquiries were verified, without providing the actual proof of authorization. This lack of transparency directly violates the disclosure requirements set forth by law. Each of these credit bureaus has a legal and ethical responsibility to ensure the information they report is accurate, complete, and verifiable. Yet, their continued inaction and failure to properly investigate my disputes have caused unnecessary harm to my credit standing and peace of mind. The presence of these unauthorized inquiries misrepresents my credit behavior, suggests fraudulent or excessive credit activity, and undermines my overall financial credibility. It also raises concerns about the security of my personal information and whether proper safeguards are in place to prevent unauthorized access. After months of repeated attempts and multiple detailed dispute letters, I have seen only minimal or no progress. Experian deleted just one inquiry while leaving numerous others untouched ; Equifax has shown no deletions at all ; and TransUnion has completely failed to take corrective action. These collective failures to uphold their legal duties under the FCRA demonstrate a systemic disregard for consumer protection and compliance obligations.

Company response to consumer: Closed with non-monetary relief