Consumer complaint received 2025-03-31 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:
Subject : Demand Immediate Action on Unauthorized Inquiries and Equifaxs Negligence ( Case # : XXXX Dear CFPB Team, I am writing to escalate my complaint regarding unauthorized inquiries on my Equifax credit report. Despite multiple attempts to resolve this issue, Equifax has failed to take meaningful action, leaving me to deal with the consequences of their negligence. This is unacceptable, and I demand immediate intervention from the CFPB to hold Equifax accountable. 

The Problem My Equifax credit report contains multiple unauthorized inquiries from companies I have no relationship with, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These inquiries are fraudulent and have been confirmed as such by the creditors themselves. None of these companies have any accounts or legitimate business with me. 
Actions Ive Already Taken Contacted the Creditors Directly : I reached out to each creditor listed in the unauthorized inquiries to confirm whether any accounts were associated with me. All of them confirmed that I do not have any accounts with them and referred me back to Equifax for further investigation. 
Filed a Dispute with Equifax : I submitted a formal dispute to Equifax, providing extensive documentation, including my FTC Identity Theft Report and other supporting evidence. Despite this, Equifax has ignored my evidence, failed to conduct a proper investigation, and left the fraudulent inquiries on my credit report. 
I Placed a Freeze : As a precautionary measure, I placed a freeze on my credit file. However, this does nothing to address the root cause of the problemEquifaxs failure to act. 
Equifaxs Gross Negligence Equifax claims to have completed their investigation, but they have provided XXXX evidence that they contacted the creditors or took any meaningful steps to verify the accuracy of the inquiries. 
They blatantly ignored my FTC Identity Theft Report and other critical documentation, demonstrating a complete disregard for consumer protection laws. 
These unauthorized inquiries remain on my credit report, unjustly damaging my credit score and exposing me to potential identity theft risks.

What I Demand from the CFPB It is clear that Equifax is failing to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). I demand that the CFPB take IMMEDIATE action to : Force Equifax to remove ALL unauthorized inquiries from my credit report.

Investigate Equifaxs handling of my dispute and determine whether they violated the FCRA.

Hold Equifax accountable for their negligence and ensure they implement measures to prevent similar issues in the future.

I expect a detailed update on the actions the CFPB will take within [ insert reasonable timeframe, e.g., 10 business days ]. If no action is taken, I will explore all available legal options, including filing a lawsuit against Equifax for their failure to comply with federal law.

Attached Documentation To support my case, I have attached the following documents : My FTC Identity Theft Report.

Correspondence with the involved creditors.

Proof of my dispute submission to Equifax.

Screenshots or copies of my updated credit report showing the unauthorized inquiries.

This Is Not Acceptable The credit reporting system is supposed to protect consumers, not leave them vulnerable to fraud and negligence. Equifaxs failure to address this issue is not only frustrating but also a blatant violation of my rights as a consumer. I expect the CFPB to take swift and decisive action to rectify this situation.

Thank you for your attention to this matter. I trust that the CFPB will act promptly to ensure that Equifax complies with the law and resolves this issue without further delay. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation