Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am filing this formal complaint against Equifax for failing to properly handle and report consumer information in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Equifax has demonstrated negligent behavior by continuing to report inaccurate inquiries on my credit file, which I did not authorize or initiate. These inquiries are damaging my creditworthiness and violate my consumer rights. I am providing detailed information about each unauthorized or incorrect inquiry that remains on my credit report despite multiple disputes and communications. These entries were not initiated by me, and I am requesting that the CFPB hold Equifax accountable for their failure to maintain accurate information under the law. Below are the specific inquiries that are being wrongfully reported : XXXX XXXX XXXX XXXX XXXXXX/XX/year> Type : Hard Inquiry Issue : This inquiry was made without my knowledge or authorization. I never applied for any credit, loan, or financing with XXXX XXXX XXXX XXXX on or around this date, nor have I had any dealings with this company. The presence of this inquiry constitutes a violation of my rights under the FCRA 604 ( a ) ( 3 ), which requires a permissible purpose for accessing a consumer 's credit report.

Relevant Law : FCRA 604 ( a ) ( 3 ) Permissible Purpose Required This hard inquiry is causing unjustified damage to my credit profile and reflects a failure on Equifax 's part to ensure that only authorized entities are granted access to consumer reports. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> Type : Hard Inquiry Issue : I did not apply for any credit or authorize XXXX XXXX XXXX XXXX to perform a hard inquiry on my credit report on this date. I have not initiated any relationship with this creditor or given consent for any credit review. This action appears to be an unauthorized inquiry that violates my rights under FCRA 604 ( a ) ( 3 ) and may also fall under potential identity theft concerns.

Relevant Law : FCRA 604 ( a ) ( 3 ) Permissible Purpose Required Equifax has failed to verify the legitimacy and permissible purpose of this inquiry before allowing it to appear on my credit file, directly harming my credit score and reputation.

Summary and Request for Action : Equifax is required by federal law to maintain maximum possible accuracy in the information it furnishes on consumer credit reports ( FCRA 607 ( b ) ). By reporting these unauthorized hard inquiries, Equifax has breached this legal obligation and placed an unjust burden on me as a consumer. I demand that Equifax be held accountable for allowing these hard inquiries without verifying that a valid permissible purpose existed. Furthermore, Equifax has failed in its duty to reasonably investigate the legitimacy of these entries when challenged, violating FCRA 611.

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate Equifax 's conduct and ensure these unauthorized inquiries are removed from my credit report. Additionally, I request that appropriate regulatory penalties and compliance measures be imposed on Equifax for their continued violation of my consumer rights under the FCRA.

Relief Requested : Immediate removal of all unauthorized inquiries listed above from my Equifax credit report Full investigation into Equifax 's procedures regarding third-party access to consumer credit files Assurance that proper verification systems are in place to prevent future occurrences Compensation for the harm done to my credit profile

Company response to consumer: Closed with explanation