Consumer complaint received 2025-12-25 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: CT

Complaint narrative:
I am submitting this follow-up complaint and FTC identity theft report through the CFPB portal regarding ongoing violations by Equifax under the Fair Credit Reporting Act ( FCRA ). My previous CFPB complaint detailed Equifaxs failure to properly investigate and remove unauthorized activity, as well as their refusal to add a consumer statement of dispute, provide documentation, or comply with other FCRA requirements. Their response was inadequate and did not address the issues, merely restating that inquiries are factual and must remain for two years, without evidence of any investigation or contact with the furnisher. 
Since my initial dispute and CFPB complaint : I have been denied credit on multiple occasions specifically due to too many inquiries appearing on my credit report, including the ones in question. For example, an application was rejected citing excessive inquiries as a key factor. This has directly harmed my ability to obtain financing, increased my interest rates on other accounts, and caused financial stress and lost opportunities. 
Equifax has still not added the consumer statement of dispute that I formally requested under FCRA 1681i ( b ) during my XX/XX/year> phone call and in my prior complaint. This statement would explain the fraudulent nature of the inquiry and mitigate its impact, but it remains absent from my credit file. 
No fraud alert has been placed on my file as required for identity theft victims under FCRA 1681c-1, despite my reports of fraud. Equifax has not contacted me once regarding this matter, even after my CFPB complaint.

New inquiries have appeared on my credit report dated after the original fraudulent one which I believe are unrelated but compound the damage from Equifaxs refusal to address the fraud. This suggests ongoing issues with their handling of my file and potential further unauthorized access.

I am attaching my original FTC identity theft report that I kept for my records, which was also sent to Equifax, and confirms the unauthorized nature of some of the activity, and supports my demand for immediate blocking or removal under FCRA 1681c-2. Yet Equifax ignored this, in addition to their response to my previous CFPB complaint stating the activity that was being reported was accurate, valid, and will remain, and shared no details found in their investigation which leads me to believe no such investigation existed.

These continued violationsincluding failure to conduct a reasonable reinvestigation ( 1681i ( a ) ), notify the furnisher ( 1681i ( a ) ( 2 ) ), include a consumer statement ( 1681i ( b ) ), block fraudulent information ( 1681c-2 ), and place a fraud alert ( 1681c-1 ) constitute willful and negligent noncompliance under 1681n and 1681o. They have caused actual harm, including denied credit, higher borrowing costs, emotional distress, and time spent resolving this.

Company response to consumer: Closed with explanation