Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Although Equifaxs settlement portal states my information was not part of their breach, my identifiers were confirmed exposed in the XXXX XXXX XXXX XXXX ( XXXX  ). ( See attached screenshots : Equifax Settlement denial vs. XXXXXXXX XXXX XXXX confirmation. ) Since that compromise, my credit reports contain unauthorized inquiries and false personal identifiers that are inaccurate, unverifiable, and harmful. I have disputed these multiple times, but the bureaus continue to verify them without proof. Below, I detail each issue with the reason it violates consumer law. 

XXXX. Unauthorized Inquiries Equifax : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : No signed application or proof of permissible purpose exists. Reporting this violates FCRA 604 and 607. Allowing it to remain without evidence is willful non-compliance with 611 ( a ) and 623. 

Experian : XXXX XX/XX/XXXX Reason : I never authorized this inquiry. Experian has failed to produce documentation, making it unverifiable. This constitutes reckless reporting under FCRA 604 and 1681i. 

TransUnion : XXXX XX/XX/XXXX Reason : No permissible purpose under FCRA 604. Reporting this inquiry after disputes, without proof of consent, is reckless and materially harmful to my credit.

Requested Action : Permanent deletion of all unauthorized inquiries, as they are fraudulent and unverifiable. 

XXXX. Incorrect Date of Birth ( DOB ) DOB entries listed as : XXXX, XXXX, and XX/XX/XXXX Reason : Conflicting DOB entries create misidentification risks and are inherently inaccurate. Under FCRA 607, consumer files must reflect maximum possible accuracy. Publishing variations tied to breached data is reckless.

Requested Action : Permanent deletion of all incorrect DOB entries across all bureaus. 

XXXX. Incorrect Name Variations Reported names : XXXX XXXX XXXX and XXXX, XXXX, XXXX Reason : These are false identifiers not associated with me. Allowing aliases that do not match my legal identity creates confusion, mismerges, and identity theft risks. This is especially reckless given my breached data. Violates FCRA 607, 611, and 623.

Requested Action : Permanent deletion of all name variations that do not match exactly XXXX XXXX. 

XXXX. Incorrect Addresses XXXX XXXX XXXX, XXXX NC Reason : I never lived here. Reporting false addresses creates a false appearance of associations and accounts, violating FCRA 607. 

XXXX XXXX XXXX XXXX, XXXX NC Reason : Outdated, not mine, and unverifiable. Continuing to circulate false addresses after disputes violates FCRA 611 and 623. 

XXXX XXXX XXXX  variations ( XXXX XXXXXXXX XXXX ) Reason : My address is inconsistently reported across bureaus, creating confusion and misidentification. This violates FCRA 607 and fails Metro 2 accuracy standards.

Requested Action : Permanent deletion of all incorrect or outdated addresses. Only my correct residence should remain. 

XXXX. Incorrect Employer Records Reported employers : XXXX and XXXX & Company Reason : These employers are false and unverifiable. Employment history is not relevant to creditworthiness under FCRA and publishing false data compounds breach-related harm. This violates FCRA 607, 611, and 623.

Requested Action : Permanent deletion of all false employer data.

Legal Basis for Complaint FCRA 604, 607, 611, 623 Inquiries and PII must be accurate, verifiable, and only reported with permissible purpose.

FACTA 1681c-2 Requires blocking of identity theftrelated data upon consumer request.

Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ) Continuing to report unverifiable breach-related data is unfair and deceptive.

FTC Act 45 Reporting false identifiers and unauthorized inquiries is deceptive practice. 

NC State Identity Theft Laws Prohibit retention and reporting of compromised or inaccurate data after a breach. 

Requested Resolution Permanent deletion of all unauthorized inquiries.

Permanent deletion of all false DOBs, names, addresses, and employer records.

Written confirmation that bureaus are compliant with FCRA, FACTA, and Metro 2 standards.

Company response to consumer: Closed with non-monetary relief