Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX : I am writing to file a formal complaint regarding the improper handling of my credit file, which has resulted in negative consequences during recent credit application processes. I am also requesting the immediate removal of two unauthorized inquiries. 
Background : On XX/XX/year>2025, I initiated a temporary lift of the security freeze on my credit file to allow creditors to access my report, in preparation for submitting credit applications. Despite this action, my credit file was reported as frozen to two separate creditors after the lift was in effect : XXXX XXXX, Application ID : XXXX, stated that there was " NO INFORMATION ON FILE AT THE CREDIT BUREAU, '' which is inaccurate and implies that my credit file was inaccessible. 
XXXX XXXX  also confirmed that they attempted to access my report, but it remained frozen, despite the temporary unfreezing. 
These issues resulted in the denial or obstruction of legitimate credit applications, directly affecting my financial standing and opportunities. 

Violations of the FCRA : Your failure to ensure timely and accurate unfreezing of my credit report violates provisions of the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S. Code 1681i ( a ) Failure to maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681c1 ( i ) Requires credit reporting agencies to temporarily lift a freeze promptly and accurately when a proper request is made by the consumer.

15 U.S. Code 1681e ( b ) Failure to follow reasonable procedures to assure the accuracy and availability of consumer reports.

Your system failure in reflecting the lifted freeze is a serious matter that caused material harm to my ability to obtain credit.

Unauthorized Inquiries : Additionally, there are two unauthorized hard inquiries listed on my credit report : XXXX XXXX XXXX XXXX on XX/XX/year>2025 XXXX XXXX XXXX on XX/XX/scrub> 2025 I did not authorize any applications or provide my information to these entities. As such, these inquiries are unauthorized and constitute a violation of 15 U.S. Code 1681b ( c ) Permissible purposes of consumer reports.

Requested Action : I respectfully demand the following actions be taken within 30 days as required by law : A full investigation into the failure of the temporary lift process on XX/XX/year>2025. 
A written explanation as to why the temporary lift was not properly executed. 
Immediate removal of the unauthorized inquiries by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
Written confirmation of these actions and corrections to my credit report. 
Please consider this letter a formal dispute under the FCRA. If these issues are not resolved promptly, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation