Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I am filing this complaint because all three nationwide credit reporting agenciesEquifax, Experian, and TransUnionhave continued to report inaccurate personal information and an unauthorized inquiry on my credit file, despite being repeatedly notified that this data originated from the Equifax data breach. 

Summary of the Issue Following the Equifax data breach, my personal identifiers were compromised and misused. Since then, inaccurate personal data and an unauthorized inquiry have been published across all three bureaus. I have submitted formal disputes to each agency and previously filed CFPB Complaint ID XXXX, yet the items remain, causing continuous harm and violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ).

Items in Dispute Unauthorized Inquiry Creditor : XXXX XXXX  Date : XX/XX/year> I never applied for credit, goods, or services with XXXX XXXX or any affiliate. There is no signed or electronic authorization, nor any permissible purpose under FCRA 1681b.

Because this occurred after the Equifax breach, it represents identity-theft-related misuse of my personal data. 

Reporting and retaining this inquiry violates FCRA 1681b, 1681q, 1681c-2, 611 ( a ) ( 1 ) ( A ), and Metro 2 data accuracy standards. 

Incorrect Names XXXX XXXX XXXX and XXXX XXXX XXXX were never used or authorized by me. 

These names were introduced after the Equifax data breach and have spread across all three credit bureaus.

Their continued presence violates FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ) and constitutes an unfair practice under CFPA 55315536. 

XXXX  Addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX TX XXXX These addresses were never authorized or verified by me and were flagged as breach-related data. 

Equifax confirmed deletion of the XXXX XXXX XXXX XXXX XXXX  XXXX address on XX/XX/year> as unverifiable, yet Experian and TransUnion still report it. 

Continuing to publish known false identifiers violates FCRA 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 607 ( b ) and the CFPAs UDAAP prohibitions.

Evidence Provided FTC Identity Theft Report confirming breach exposure Prior CFPB Complaint # XXXX ( filed XX/XX/year> ) Equifax confirmation letter ( XX/XX/year> ) verifying deletion of unverifiable data Dispute letters sent to all three bureaus dated XX/XX/year> Harm Experienced These ongoing inaccuracies have caused repeated credit denials, reputational damage, and anxiety from repeated reinvestigations. The unauthorized inquiry exposes me to continuing identity-theft risk and directly impacts my creditworthiness and privacy. 

Requested Resolution Immediate and permanent deletion of the XXXX XXXX XXXXnquiry from all credit bureau files Permanent removal of all false names and addresses listed above Written confirmation of deletion and Metro 2 compliance from each bureau Enforcement action for continued violations of FCRA and CFPA Conclusion The credit bureaus refusal to correct verified inaccuracies, despite notice and supporting evidence, represents willful non-compliance with federal law and an unfair practice under the CFPA. I request CFPB enforcement to ensure deletion, compliance verification, and accountability for these ongoing violations.

Company response to consumer: Closed with non-monetary relief