Consumer complaint received 2025-06-08 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: NY

Complaint narrative:
Detailed Statement for CFPB Complaint Submission Submitted by : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Subject : Equifax XXXX with FCRA XXXX Request for Public Disclosure I am submitting this complaint against Equifax for their ongoing and deliberate violations of federal protections afforded to XXXX  of XXXX XXXX under the Fair Credit Reporting Act ( FCRA ) Section 605C and the Debt Bondage Repair Act ( DBRA ). 

This statement is submitted in advance of Equifaxs expected non-compliant response, which they have issued to other XXXX, and which I now seek to prevent and legally refute as follows : My Submission Includes All Legally Required Documents : 1. Self-Attestation signed under penalty of perjury that I am a victim of XXXX XXXX pursuant to 22 U.S.C. 7102 ( 11 ) and FCRA 605C.

2. XXXX XXXX  from XXXX XXXX XXXX, a non-governmental organization explicitly authorized by the North Carolina Attorney General ( see letter dated XX/XX/XXXX ) to make victim determinations under 12 C.F.R. 1022.142 ( b ) ( 1 ) ( i ) ( A ) ( 2 ).

3. A comprehensive list of adverse accounts and hard inquiries tied to the XXXX conduct, as required under 12 C.F.R. 1022.142 ( b ) ( 1 ) ( iii ).

4. Proof of identity and address ( government-issued ID and utility bill ) included in my package. 

5. Confirmation from Equifax, dated XX/XX/XXXX, acknowledging the authority of XXXX XXXX XXXX under the XXXX to make victim determinations. 

6. This submission includes evidence that XXXX  and XXXX  fully honored their legal obligations by blocking all identified items pursuant to FCRA 605C and 12 C.F.R. 1022.142.

Anticipated Equifax Excuses Preemptively Refuted : 1. I am aware that Equifax has previously responded to similar complete submissions with false or misleading statements, claiming : 2. Additional documentation is needed 3. Victim determination was not confirmed 4. Submission was incomplete These are demonstrably false claims and are being used as delay tactics to avoid legal obligations. Equifax already confirmed in writing that it received and acknowledged the legitimacy of XXXX XXXX XXXX authority, and both Experian and TransUnion have fully complied with identical submissions by blocking all listed items. 

Legal Obligations Equifax Has Violated ( or Is About to Violate ) : FCRA 605C Fails to block adverse information within XXXX business days. 

12 C.F.R. 1022.142 ( d ) Fails to notify within XXXX business days if clarification is required. 

Final determination not issued within XXXX business days. 

Bad faith or discriminatory treatment Equifax has created dual standards, processing some survivors ' requests while ignoring others with the same documentation. 

Unlawful obstruction XXXX verified determinations from authorized entities is tantamount to denying survivors their federally mandated right to relief. 

PUBLIC DISCLOSURE REQUEST I request that the Consumer Financial Protection Bureau publish this complaint and statement publicly in its Consumer Complaint Database to : Expose Equifaxs unlawful practices toward XXXX  XXXX, and Alert government oversight bodies and the public to the patterns of obstruction and discrimination by a national consumer reporting agency. 

This is not an isolated incident. It reflects systemic abuse of discretion by Equifax in direct violation of federal law.

Company response to consumer: Closed with explanation