Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX XXXX. 
Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX SSN Last XXXX Digits : XXXX XXXX : XX/XX/XXXX Filing Date : XX/XX/XXXX Subject : Formal Complaint Against Equifax for Unlawful Retention of Unauthorized Inquiries After Proper Dispute and FTC Documentation Summary of the Issue : On multiple occasions, I submitted formal disputes and supporting documentation to Equifax requesting the removal of unauthorized credit inquiries that were fraudulently added to my consumer credit report without my consent. These included a certified identity theft affidavit, an FTC Identity Theft Report, and evidence showing no permissible purpose existed under the Fair Credit Reporting Act ( FCRA 604 ( a ) ).

Despite clear and timely submission of these materials, Equifax knowingly retained the inquiries and returned a blanket denial with the excuse that the inquiries are a factual record of file access. This dismissive response blatantly ignores consumer rights under : FCRA 611 ( a ) Right to dispute and have inaccurate items corrected or deleted.

FCRA 1681c-2 Mandates blocking of fraudulent information when identity theft is reported. 
FTC guidelines on unauthorized inquiries Which define that no inquiry should remain if no authorization was provided or if a police/FTC report XXXX on file. 



Unauthorized Inquiries in Question : Inquiry Dates : XX/XX/XXXX Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

These inquiries were never authorized, were not part of any application I submitted, and are harming my creditworthiness and access to essential financial services. 



Violation of Identity Theft Protections : Despite providing FTC documentation and executing the proper dispute channels, Equifax : 1. Refused to block the inquiries as required under FCRA 1681c-2.

2. Did not reinvestigate with the required diligence, instead citing that inquiries are factual and will remain for two years, without considering the FTC Identity Theft Report and Affidavit of Fraud.

3. Failed to notify me of any outcome documentation from furnishers, violating FCRA 611 ( a ) ( 6 ) and 611 ( a ) ( 7 ).

This shows reckless disregard for federal protections, and willful negligence in handling identity theft-related consumer rights.

Relief Requested : 1. Immediate deletion of all unauthorized inquiries listed above.

2. Written confirmation that these inquiries have been removed in accordance with FCRA 1681c-2.

3. Disciplinary action against Equifaxs back-office dispute processing department for refusing to honor FTC-verified documentation .

4. Investigation into whether Equifax is systemically violating FCRA obligations in collusion with inquiry-generating entities for profit.

Resolution Statement : If Equifax fails to cure this matter within 7 business days, I am prepared to pursue legal remedies, including : Federal civil action for FCRA violations under 15 U.S.C. 1681n and 1681o.

Referral to the FTC and my state Attorney General for willful misconduct and deceptive trade practices.

Public exposure of Equifaxs illegal practices if necessary. 



Respectfully submitted, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief