Consumer complaint received 2025-01-29 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:
XX/XX/XXXX, TX XX/XX/XXXXConsumer Financial Protection Bureau XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Subject : Formal Complaint Against Equifax for Failure to Properly Investigate Fraudulent Inquiries Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax for failing to conduct a proper investigation regarding fraudulent inquiries that have been reported on my Equifax credit report. I have taken all necessary steps to dispute these inquiries, but Equifax has refused to comply with my request for their removal. 

1. **Initial Dispute Filing : ** I filed a dispute regarding these fraudulent inquiries with all three major credit reporting agencies : Equifax , XXXX XXXX and XXXX. 
2. **Resolution by XXXX and XXXX : ** Both XXXX and XXXX conducted their investigations and subsequently removed the fraudulent inquiries from my credit report. 
3. **Follow-up Dispute with Equifax : ** After XXXX and XXXX deleted the fraudulent inquiries, I submitted another dispute with Equifax, providing them with copies of my updated credit reports from XXXX and XXXX as evidence that the inquiries had been deemed fraudulent and removed. 
4. **Equifaxs Lack of Investigation : ** Within mere minutes of submitting my dispute, Equifax sent me a notification stating that the investigation had been completed and that the inquiries would remain on my credit report. The speed of their response suggests that a thorough investigation was not conducted, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

5. **Repeated Dispute Filings : ** I filed an additional dispute advising Equifax that they were non-compliant and willfully reporting inaccurate information on my credit report. As a consumer, I have the legal right to have all accurate information reported. Despite this, Equifax once again immediately responded that the investigation was complete and that the inquiries would remain on my credit report. 
6. **Ongoing Non-Compliance : ** Now that Equifax is being sued for failing to conduct proper investigations, I would like to once again bring to the attention of both the CFPB and Equifax that they are still inaccurately reporting these fraudulent inquiries on my credit report. I have filed more than five disputes regarding these inquiries, and Equifax continues to ignore its obligation to report accurate information. 

I am requesting that Equifax immediately remove all of the inquiries from my credit report. I have previously provided Equifax with the inquiries that need to be removed, as well as my credit reports from the other agencies, as proof that the inquiries had been removed. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me should you require any further information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation