Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am filing this formal complaint against Equifax for failing to ensure the accuracy, completeness, and fairness of the information they are reporting on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 and related consumer protection laws. I have previously disputed these items, and Equifax has failed to properly investigate and correct the information. I am suffering serious harm due to these inaccuracies, and despite my attempts to resolve these errors directly with the credit reporting agency, the inaccurate information remains on my file. Below are the disputed items and the laws being violated by Equifax : XXXX. XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/year> High Balance : {$3800.00} Status : Collection This is a collection account that I do not recognize and have no contractual agreement with this entity. There was no prior communication or validation of debt as required under 15 U.S. Code 1692g ( Debt validation notice ). Reporting this item without proper verification and authorization is a violation of FCRA 1681e ( b ) for failing to maintain maximum possible accuracy and 1681i for failure to conduct a reasonable reinvestigation upon dispute. I have no direct relationship with XXXX XXXX XXXX and was never served any debt validation before this was reported to my credit file. It is damaging my creditworthiness and preventing access to fair lending opportunities. 
XXXX. XXXX Date : XX/XX/year> Status : Hard Inquiry This is an unauthorized hard inquiry that I did not initiate or consent to. Under FCRA 1681b ( c ), no hard inquiry should be performed on a consumers report without a permissible purpose. I did not apply for credit with XXXX  on the above-mentioned date or authorize anyone to access my credit. Reporting this inquiry without my consent is a violation of my rights and Equifax has failed to remove it despite prior notice. This is a breach of FCRA 1681b and 1681c for reporting unauthorized access and retaining inaccurate inquiries that harm my credit score. 
Narrative and Harm : Equifax has displayed a repeated pattern of noncompliance with federal consumer reporting laws. They have continuously failed to follow reasonable procedures to assure maximum possible accuracy of the information in my file as mandated under FCRA 1681e ( b ). Their failure to reasonably reinvestigate and correct these errors under FCRA 1681i even after my formal disputes demonstrates negligence. These actions have resulted in emotional distress, denial of credit, increased interest rates, and general reputational harm. My rights as a consumer are being violated and I am now forced to escalate this complaint to your office for proper enforcement and investigation. 
I am requesting that the CFPB instruct Equifax to immediately remove all the inaccurate, unverifiable, and unauthorized accounts and inquiries listed above. I am also seeking a full reinvestigation and an official correction of my credit file along with written confirmation of the results.

Company response to consumer: Closed with explanation