Consumer complaint received 2025-12-03 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: OK

Complaint narrative:
I am filing a complaint against Equifax for reporting multiple unauthorized hard inquiries and for failing to conduct a lawful reinvestigation. Equifax is closing my disputes the same day they are filed, which makes a true reinvestigation impossible and violates several provisions of the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX did not authorize these inquiries, did not apply for credit with these lenders, and have no relationship with these entities. Equifax has refused to verify any of these inquiries but continues to report them. 



XXXX. Equifax is closing disputes the same day, proving no reinvestigation occurred Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a reasonable reinvestigation. Closing disputes on the same day shows that : No furnisher was contacted No documentation was reviewed No reinvestigation occurred This is an automated e-OSCAR denial, not an FCRA-compliant reinvestigation. 



XXXX. Equifax is not forwarding my dispute to the furnishers as required XXXX XXXX ( a ) ( XXXX ), Equifax must forward all relevant information to the furnisher. 

It is impossible for the following furnishers to receive, review, respond, and return documentation within hours : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This proves Equifax did not forward the dispute, violating federal law. 



XXXX. Equifax refused to provide the required method of verification XXXX XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ), Equifax is required to provide : The exact information needed by law : XXXX. The full name of the furnisher that verified the inquiry XXXX. The method of verification used XXXX. Copies of the documentation relied upon to verify the inquiry XXXX. Whether a consumer authorization form was obtained XXXX. A copy of any application bearing my signature XXXX. The date, time, and manner the inquiry was allegedly initiated XXXX. The XXXX address, device information, or in-branch confirmation ( if digital ) XXXX. The identity of the employee or automated system used to confirm the inquiry Equifax has supplied none of this information. 

Reporting an inquiry without proof of authorization is a violation of : XXXX ( b ) ( maximum possible accuracy ) XXXX ( a ) ( required reinvestigation ) And refusing to provide verification violates : XXXX ( a ) ( XXXX ) ( B ) ( iii ) XXXX ( a ) ( XXXX ) ( consumer-requested reinvestigation details ) XXXX. Required Evidence for Verification ( What Equifax MUST Produce ) To legally verify that these hard inquiries belong to me, Equifax must produce : For EACH disputed inquiry : A signed credit application A consumer authorization form The exact date/time the inquiry was initiated A copy of the creditors internal request for the inquiry All XXXX ( IP address, device ID, browser fingerprint, etc. ) if submitted online XXXX records verifying my physical presence if done in person Phone logs and recorded calls if initiated via phone Authentication logs used to validate identity No such documentation has been provided, because it does not exist. 

If Equifax can not produce these items, the inquiries are unverifiable and must be removed under : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Unverified or inaccurate information MUST be deleted. 



XXXX. This conduct constitutes negligent or willful noncompliance XXXX automated denials and refusal to produce verification evidence show : Negligent noncompliance under XXXX Willful noncompliance under XXXX This is a pattern of dispute deflection, which has been widely addressed by the CFPB in past enforcement actions. 

Their actions cause material harm : Inaccurate risk scoring Potential denial of credit Misidentification Increased exposure to identity theft Reputational damage Requested Resolution I request that the CFPB require Equifax to : XXXX. XXXX a real reinvestigation under XXXX ( a ) XXXX. Provide the full method of verification, including documents and metadata XXXX. Identify each furnisher that allegedly verified the inquiries XXXX. Remove any inquiry for which documentation can not be produced XXXX. Cease automated same-day e-OSCAR denials XXXX. Correct their internal dispute-handling procedures

Company response to consumer: Closed with explanation