Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by Equifax XXXX : XXXX XXXX XXXX : Equifax Information Services LLC XXXX XXXX XXXX, XXXX, Georgia XXXX Date : XX/XX/XXXX Summary of Complaint : I am writing to file a complaint against Equifax for their failure to accurately report information on my credit report. Specifically, I am disputing an unauthorized hard inquiry that remain on my Equifax credit report despite my previous attempts to have them removed. 

Timeline of Events : * XX/XX/XXXX : Obtained my credit reports from all three major bureaus. 
* XX/XX/XXXX : Sent a dispute letter to Equifax regarding an unauthorized hard inquiry from XXXX ( XXXX ). 
* XX/XX/XXXX : Received a response from Equifax stating that the hard inquiry from XXXX had been deleted. 
* XX/XX/XXXX : Obtained my credit reports again. The unauthorized hard inquiry from XXXX remains on my Equifax credit report. 

I made numerous phone calls to Equifax to follow up on the status of my dispute. These calls were unproductive and disturbing, and the inquiries remain on my report. 

Specific Issues and Alleged Violations : Despite Equifax 's claim that the XXXX inquiry was removed, it still appears on my credit report till date. This inaccurate reporting is negatively impacting my creditworthiness and had caused me and my family significant financial harm. I have been denied business credit funding for my startup business and for my application for a mortgage loan. These experiences have been deeply distressing and I believe Equifax is in violation of the following sections of the Fair Credit Reporting Act ( FCRA ) : * 15 USC 1681i ( 5 ) : Failure to conduct a reasonable reinvestigation of disputed items.

* 15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in credit reports.

* 15 USC 1681i ( c ) : Failure to promptly delete inaccurate information.

* 15 USC 1681s-2 : Failure to conduct adequate investigation of the dispute and failure to reporting this to other consumer reporting agencies.

* 15 USC 1681s-2 ( a ) ( 1 ) ( B ) : Duty to investigate disputed accuracy of information.

* 15 USC 1681i ( a ) ( 1 ) ( A ) : Requirements for reinvestigation of disputed information.

Requested Action : I request that the CFPB investigate this matter and compel Equifax to : * Immediately remove the unauthorized hard inquiries from XXXX from my Equifax credit report. 
* Provide me with written confirmation that these inquiries have been deleted. 
* Ensure that their reporting practices comply with the FCRA. 

Supporting Documentation : I have attached the following documents in support of my complaint : * Confirmation that Equifax received the dispute letter on XX/XX/XXXX. 
* Copy of Equifax 's XX/XX/XXXX, response. 
* Copies of sections of my XX/XX/XXXX, and XX/XX/XXXX, and credit reports. 

Thank you for your time and urgent attention to this matter. 

Sincerely, XXXX XXXX ( XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation