Consumer complaint received 2025-08-11 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: OR

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent inquiries, which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryEquifax has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed inquiries were not authorized by me and is the result of identity theft, and it legally obligates Equifax to block the inquiries within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). 
The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/XXXX Sent Inquiry Dispute Letter XX/XX/XXXX Sent Dispute of Unauthorized and Fraudulent Inquiries on My Credit Report XX/XX/XXXX Sent Dispute Letter XX/XX/XXXX Sent Dispute Letter XX/XX/XXXX Sent Final Notice Before Legal Action XX/XX/XXXX Sent Repeated Complaint Regarding Unauthorized Inquiries XX/XX/XXXX Sent Final Notice Before Legal Action XX/XX/XXXX Sent Escalation of Dispute Continued FCRA Noncompliance Regarding Unverified Inquiries XX/XX/XXXX Sent Final Demand Prior to Legal Action Disputed Credit Inquiries XX/XX/XXXX Sent Final Escalation Continued FCRA Violations for Unverified Inquiries These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Equifax has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law.

Equifaxs continued reporting of the inquiries after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation