Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Identity Theft, Unverified Credit Inquiries, and Outdated Collections To Whom It May Concern : I am filing this complaint regarding identity theft, unverified hard inquiries, and XXXX outdated collection accounts that the credit bureaus have failed to properly investigate or remove, despite repeated disputes. 

XXXX. Unauthorized Inquiries ( Identity Theft ) On or around XX/XX/2025, numerous hard inquiries appeared on my credit reports that I did not authorize. These inquiries are still listed as In Dispute or Unspecified, and all XXXX  credit reporting agencies ( Equifax, Experian, and TransUnion ) have failed to respond to my disputes, even after I submitted them twice. 

Unauthorized inquiries include : XXXX XXXX ( multiple ) XXXX  ( multiple ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( multiple ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are the result of identity theft. The credit bureaus have not provided verification or documentation proving I authorized these inquiries, as required by FCRA 611. 

XXXX. Outdated Collection Accounts ( Over XXXX Years Old ) I also have XXXX collection accounts that are over XXXX years old and in dispute, yet no bureau has provided verification or removed them : XXXX XXXXXXXX XXXX XXXX XXXX XXXX marked as In Dispute XXXX XXXX XXXX/ XXXX XXXX XXXXXXXX marked as In Dispute Both accounts are past the time frame in which furnishers are required to provide accurate, verifiable reporting, and neither furnisher has supplied documentation proving the debts are valid or belong to me. 

XXXX. Failure of Credit Bureaus to Respond Equifax, Experian, and TransUnion have not provided responses to my disputes within the required XXXX FCRA investigation window. This violates the Fair Credit Reporting Act, as I am entitled to timely results and verification. 



Requested Action I respectfully request that the CFPB require the credit bureaus to : XXXX. Conduct proper investigations into all disputed inquiries and collection accounts. 
XXXX. Delete all inquiries that can not be verified with signed, documented proof of my authorization. 
XXXX. Remove outdated or unverified collection accounts, including XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Provide me with full documentation used to verify these items, including applications, signatures XXXX. Enforce the credit bureaus compliance with FCRA deadlines and investigation procedures. 

These issues are causing ongoing harm to my credit and are the direct result of identity theft and improper reporting. 

Thank you for your attention. I am prepared to provide copies of my dispute letters, identification, and credit reports upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation