Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because Equifax has failed to remove fraudulent hard inquiries and correct inaccurate information, despite receiving my written disputes, my police report, and my FTC Identity Theft Report. 

Identity Theft Incident On XX/XX/XXXX, my personal information was stolen from my vehicle when a black bag containing important documents was taken. After this incident, I later discovered numerous unauthorized hard inquiries reported to Equifax. 

I did not authorize these inquiries, and I have no relationship or contractual agreement with the companies that pulled them. 

Actions Taken Before Filing This CFPB Complaint Police Report filed : XX/XX/XXXX FTC Identity Theft Report filed Dispute letter + identity theft documentation mailed to Equifax : XX/XX/XXXX Police report + dispute letters mailed to the furnishers : XX/XX/XXXX As of XX/XX/XXXX, Equifax has not corrected the fraudulent inquiries or updated my personal information. 

Equifax failed to conduct a lawful reinvestigation within the time required by the Fair Credit Reporting Act ( FCRA ). 

Unauthorized Hard Inquiries Reported by Equifax The following inquiries were not authorized by me and occurred after my personal information was stolen : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are fraudulent, and I never applied for credit with any of these companies. 

Equifax Has Not Corrected My Information Despite receiving : My police report My FTC Identity Theft Report My written dispute letter dated XX/XX/XXXX Proof of identity Equifax has not : Removed the fraudulent hard inquiries Updated my personal information Blocked identity-theftrelated items as required by law This failure has negatively impacted my creditworthiness and violates both federal and state law. 

Violations of Federal Law ( FCRA ) Equifaxs inaction violates : FCRA 602 ( A ) Right to accurate and fair reporting FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate disputed items FCRA 605B ( 15 U.S.C. 1681c-2 ) Mandatory immediate blocking of fraudulent information upon receipt of a police report or FTC Report FCRA 623 Furnishers must stop reporting fraudulent information Equifaxs continued reporting of these inquiries shows noncompliance with federal regulations. 

Violations of South Carolina Law Under the South Carolina Identity Theft Protection Act, S.C. Code 37-20-110 et seq. : Credit reporting agencies must block fraudulent information after receiving an identity theft report Consumers must be protected from unauthorized use of their identity Agencies must maintain accurate files Equifax is violating state law by continuing to report inquiries that occurred because of identity theft.

Company response to consumer: Closed with non-monetary relief