Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Equifax for its continued failure to maintain the accuracy and integrity of the information being reported on my consumer credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq. I have made multiple attempts to have inaccurate information corrected or removed, yet Equifax has failed to properly investigate, verify, or delete these erroneous records. I am requesting a full investigation into the matters described below, and immediate correction and/or deletion of all inaccurate, unverifiable, outdated, and unauthorized data under FCRA Sections 1681i, 1681e ( b ), 1681b, and 1681c. 
XXXX XXXXXXXX XXXX XXXX | Inquiry Date : XX/XX/year> Issue : Unauthorized hard inquiry Law : FCRA 1681b Permissible Purpose This inquiry was not authorized by me, and I did not initiate any application with this entity on or around the date in question. Reporting inquiries without my knowledge or consent is a violation of the permissible purpose provision under the FCRA.

Story : I did not provide written or verbal authorization for this inquiry. Equifax has failed to investigate the origin or validity of this unauthorized inquiry despite my prior dispute. It is negatively impacting my credit profile and constitutes willful negligence under the law.

Equifax has exhibited a pattern of negligent and willful behavior in refusing to correct this inaccurate and damaging information. My consumer rights have been consistently violated through the following actions : Reporting of inaccurate, unverifiable, and unauthorized information.

Failure to conduct a proper reinvestigation within the required 30-day period as required under FCRA 1681i.

Allowing the continued presence of disputed accounts and inquiries that lack a permissible purpose under FCRA 1681b.

Failing to follow reasonable procedures to ensure maximum possible accuracy under FCRA 1681e ( b ).

Under the Fair Credit Reporting Act, I am entitled to an accurate and fair credit report. Equifax has failed to meet this requirement. This behavior is harmful to my financial wellbeing and has resulted in damages including credit denials, increased interest rates, and emotional distress.

I demand the following : 1. Immediate deletion of the unauthorized inquiry listed above.

2. A full and detailed reinvestigation of this matter.

3. A copy of all documents used in the verification process.

4. A formal statement of correction and results of reinvestigation sent to me and all parties who have accessed my report in the last 6 months.

If Equifax continues to ignore my rights under federal law, I will pursue legal remedies including seeking monetary damages for willful noncompliance under FCRA 1681n and negligent noncompliance under FCRA 1681o.

I request that the Consumer Financial Protection Bureau take immediate action to investigate Equifax 's violations and enforce compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation