Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Equifax for failing to remove inaccurate, unverifiable, and fraudulent information on my credit report despite multiple certified dispute submissions, an active fraud alert, my identity being compromised in a national data breach, and a detailed dispute letter I mailed directly to Equifax ( attached as Equifax Dispute Letter ). 

My fraud alert has been active since XXXX XXXX. Under FCRA 605A, Equifax must ensure no account, inquiry, or update is permitted unless my identity is verified through my fraud-alert phone number. This verification never occurred. 

XXXX. Identity Theft Risk Ignored After Confirmed Data Breach TransUnion notified me that unauthorized individuals accessed my : Name SSN Date of birth Address Other identifying information Because my identity was compromised, Equifax had a heightened duty to treat all negative, suspicious, or unverifiable items as potential identity theft and reinvestigate them accordingly. 

Equifax failed to do so. 

XXXX. My Equifax Dispute Letter Identified Multiple Errors Equifax Ignored It In my Equifax dispute letter ( attached ), I clearly identified : A. Inaccurate personal information Equifax continues reporting incorrect and outdated personal information, including : Incorrect names Old addresses Wrong employer information Phone numbers and emails that never belonged to me This violates FCRA 611 ( a ).

B. Fraud-linked and unverifiable accounts I disputed multiple accounts that Equifax continues reporting without proper documentation, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have : No original signed contracts No identity verification Reporting inconsistencies Incorrect dates Failed validation by furnishers Yet Equifax marked several as verified. 

C. Unauthorized hard inquiries My dispute letter also challenged several hard inquiries Equifax has not validated or removed. 

XXXX. Equifax Failed to Reinvestigate My Certified Disputes FCRA 611 ( a ) I mailed XXXX certified dispute letters to all bureaus and each furnisher. XXXX XXXX confirms : Delivered Delivered to agent Picked up Available for pickup ( legally counts as receipt ) Delivery attempts Despite this, Equifax failed to : Investigate my disputes Contact the furnishers Provide validation Correct personal information Remove unverified accounts Provide investigation results These failures violate FCRA 611 ( a ) and 607 ( b ). 

XXXX. Unauthorized or Unverified Hard Inquiries ( XXXX XXXX ) FCRA 604 Violations Equifax continues reporting several hard inquiries from XXXX and XX/XX/XXXX that I did NOT authorize. 

These inquiries occurred before the period when my identity was compromised in the TransUnion data breach. Because my identity was later exposed, these earlier inquiries are even more suspicious and must be treated as potential unauthorized access. 

Under FCRA 604, Equifax is required to : Provide documentation proving permissible purpose OR Delete the inquiry In my dispute letter, I requested : The original signed credit applications Identity verification used The permissible purpose The date and time of each inquiry Matching identity information Equifax provided none of these documents. 

These inquiries must be deleted because they : Were never authorized Were never verified Have no supporting documentation Were disputed in writing Occurred before the period when my identity was compromised Can not be tied to any legitimate application Remain unvalidated even after certified mail disputes Equifaxs refusal to remove or validate these inquiries violates : FCRA 604 Permissible purpose FCRA 607 ( b ) Duty to ensure maximum accuracy FCRA 611 ( a ) Failure to reinvestigate These inquiries are not mine and must be removed. 

XXXX. Equifax Used Improper XXXX  Verification Instead of a Real Investigation Equifax appears to have simply accepted automated furnisher responses without obtaining : Signed contracts Identity verification Billing statements Permissible purpose records This is not a lawful reinvestigation under the FCRA. 

XXXX. Prior CFPB Complaints Show a Pattern of Mishandling I am attaching my CFPB complaint history, which shows : XXXX XXXX  repeatedly failing to validate XXXX ignoring disputes Negative accounts being verified without evidence Recurring errors not being corrected This pattern further supports my claim that Equifax is mishandling my file.

Company response to consumer: Closed with non-monetary relief