Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
I am writing to formally file a complaint against Equifax regarding their refusal to properly address and remove fraudulent inquiries from my credit report. Despite my repeated efforts to resolve this issue directly with Equifax, they have failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure that the information furnished on my credit report is accurate. 

Background of the Issue XXXX. Request for Method of Investigation : I contacted Equifax to dispute multiple hard inquiries on my credit report that I believe are fraudulent. 
I specifically requested the method of investigation they used to validate these inquiries, as required by law. 
To date, Equifax has not provided this information, nor have they offered proof that these inquiries are valid. 
XXXX. FTC Report and Evidence of Data Breach : I filed an FTC Identity Theft Report and provided Equifax with supporting documentation to demonstrate that my personal information was part of a data breach. 
I also submitted a formal letter requesting the removal of these fraudulent inquiries based on the evidence provided. 
Despite this, Equifax has refused to remove the disputed inquiries and has failed to provide a satisfactory explanation or proof of validation. 

My Complaint Equifaxs inaction and refusal to provide the requested method of investigation or remove inaccurate information violates their obligations under the FCRA. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) : Equifax is required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report.

FCRA 607 ( 15 U.S.C. 1681e ( b ) ) : Equifax is obligated to ensure the accuracy of information furnished on my credit report.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : As I have submitted an identity theft report, Equifax is required to block fraudulent information resulting from identity theft within four business days.

Equifaxs failure to address my dispute, validate the inquiries, or provide evidence of their legitimacy constitutes a failure to comply with these legal requirements.

What I Am Requesting I respectfully ask the CFPB to take action to hold Equifax accountable and ensure they comply with their legal obligations. Specifically, I request the following : 1. Equifax must immediately remove all fraudulent inquiries from my credit report.

2. Equifax must provide a detailed explanation of the method of investigation they used to verify the validity of the disputed inquiries.

3. Equifax must ensure that all information on my credit report is accurate and, if it can not be verified, remove it promptly.

As a consumer, I depend on the accuracy of my credit report for financial stability, and Equifaxs refusal to act is causing undue harm and stress. I urge the CFPB to ensure that my rights under the FCRA are upheld and that Equifax is held accountable for their inaction. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation