Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Formal Dispute and Complaint Against Equifax Fraudulent and Unauthorized Inquiries To Whom It May Concern, I am writing to formally dispute and file a complaint against Equifax for failing to properly investigate and remove multiple unauthorized hard inquiries and fraudulent accounts listed on my credit report. These entries are the result of identity theft and fraud, and I have never authorized or applied for credit with the entities listed below. 

Previously, I submitted a complaint through the CFPB Complaint Portal, yet Equifax responded by stating these accounts belong to me without providing any actual verification, consent documentation, or signed authorization forms. This lack of investigation and transparency is unacceptable and violates federal and state consumer protection laws. 

Additionally, many of these accounts do not appear on my TransUnion or Experian reports, which further confirms they are not only fraudulent but also inaccurately reported solely by Equifax. 

The following accounts and inquiries are disputed as fraudulent : XXXX  XXXX Utah 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 I did not authorize any credit applications, loans, or services with these institutions and request immediate removal. 



Violations of Federal and State Laws : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b Consumer reports can only be accessed with permissible purpose and proper authorization. These inquiries and accounts were created without my consent. 

2. FCRA 15 U.S.C. 1681i Equifax is required to investigate disputed information and delete or correct unverifiable or inaccurate data within 30 days. Failure to do so is a legal violation.

3. FCRA 15 U.S.C. 1681c-2 As an identity theft victim, I am entitled to have all fraudulent information blocked from my report.

4. Utah Consumer Credit Protection Act ( UCCPA ) Utah Code 13-45-201 Unauthorized access and fraudulent reporting of credit data violates state consumer protection statutes.

5. Federal Trade Commission ( FTC ) & CFPB Regulations Equifax is obligated to ensure accurate credit reporting. Ignoring disputed and fraudulent items undermines those federal responsibilities.

Action Demanded : I hereby request that Equifax : Immediately remove all unauthorized and fraudulent accounts and inquiries listed above.

Provide full documentation for each account or inquiry proving my authorization ( signed applications, IP address logs, timestamps, etc. ).

Confirm in writing within 10 days that all disputed items have been removed.

Cease reporting these accounts or inquiries to any third party.

If Equifax fails to comply, I will : File additional formal complaints with the FTC, CFPB, Utah Division of Consumer Protection, and the State Attorney General.

Pursue civil legal action under the FCRA ( 15 U.S.C. 1681n ) for damages resulting from willful noncompliance.

Seek a court order compelling the removal of these fraudulent items.

This letter serves as your final notice before legal action is initiated. I expect your prompt attention and compliance.

Company response to consumer: Closed with explanation