Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX RE : XXXX XXXX XXXX TransUnion, Equifax, and Experian - Identity Theft and Failure to Investigate Fraudulent Credit Inquiries * * Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the three major credit reporting agenciesTransUnion, Equifax, and Experianfor their failure to adequately investigate and remove fraudulent credit inquiries from my credit reports despite clear evidence of identity theft.

* * NATURE OF COMPLAINT : * * I am a victim of identity theft. An unknown individual has obtained my personal information and is repeatedly applying for credit using my identity. Despite multiple attempts to contact all three credit bureaus, they have failed to properly investigate or remove the fraudulent inquiries from my credit reports. 

* * FRAUDULENT CREDIT INQUIRIES : * * The following unauthorized credit inquiries appear on my credit reports : - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX * * I did not authorize any of these credit inquiries and have never applied for credit with these institutions. * * * * EVIDENCE OF IDENTITY THEFT : * * My personal information has been compromised and found on the dark web following data breaches that occurred on : - XX/XX/XXXX - XX/XX/XXXX These breaches exposed my name, address, Social Security number, and date of birth, which has enabled criminals to fraudulently apply for credit in my name. 

* * CREDIT BUREAUS ' FAILURE TO RESPOND : * * Despite multiple phone calls to TransUnion, Equifax, and Experian, all three agencies have failed to : 1. Conduct proper investigations into these fraudulent inquiries 2. Remove the unauthorized inquiries from my credit reports 3. Provide adequate assistance in resolving this identity theft matter 4. Respond appropriately to my legitimate dispute claims * * REQUESTED RELIEF : * * I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate the three credit reporting agencies ' failure to comply with the Fair Credit Reporting Act ( FCRA ) 2. Compel TransUnion, Equifax, and Experian to immediately remove all fraudulent inquiries listed above from my credit reports 3. Ensure the credit bureaus implement proper procedures to prevent future fraudulent inquiries using my compromised information 4. Take appropriate enforcement action against these agencies for their failure to investigate identity theft claims properly The ongoing presence of these fraudulent inquiries on my credit reports is damaging my credit score and preventing me from obtaining legitimate credit. The credit bureaus ' refusal to properly address this clear case of identity theft violates my rights under federal law. 

I have documented all my attempts to contact these agencies and can provide additional evidence upon request. I look forward to your prompt investigation and resolution of this matter. 

Thank you for your attention to this serious issue. 

Sincerely,

Company response to consumer: Closed with explanation