Consumer complaint received 2025-08-03 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: MN

Complaint narrative:
Subject : Second Dispute Unauthorized Inquiries Still Showing Despite Identity Theft Report Dear CFPB, Remove these unauthorized inquiries from my credit report. Ive already reported that Im a victim of identity theft and provided an FTC Identity Theft Report, yet Equifax has continued to report multiple credit inquiries that I never authorized. Im asking for your help because this is not only unfair, its against the law. 

Inquiries I Do Not Recognize and Did Not Approve : 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 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 XXXXXX/XX/XXXX I have no relationship with these companies, I never gave permission for these credit pulls, and some of them happened long after I had already filed my identity theft report. 

Whats Going On : Despite doing everything right reporting the fraud, sending my documentation, and following the legal steps Equifax failed to remove these inquiries. Even worse, I have never received an explanation of how they investigated my dispute or why they think these inquiries should stay on my record. 

I feel like my identity theft report has been completely ignored, and its having a serious impact on my life.

FCRA Laws Equifax Is Violating : FCRA 605B ( 15 U.S.C. 1681c2 ) : Requires Equifax to block any item related to identity theft within 4 business days once proof is submitted. These inquiries should have been blocked immediately.

FCRA 604 ( 15 U.S.C. 1681b ( c ) ) : Credit inquiries are only allowed with my consent or for a legally permitted purpose. These were done without my approval.

FCRA 611 ( a ) ( 6 ) ( 15 U.S.C. 1681i ) : Requires that I be told how the dispute was investigated. Equifax has never explained anything to me.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires all credit data to be accurate and fairly reported. Keeping fraudulent inquiries on my file is not accurate or fair.

How This Has Affected Me : These inquiries lowered my credit score and hurt my chances of getting approved for housing or credit.

Ive wasted time, energy, and peace of mind trying to fix something that should have been resolved the first time.

Most of all, it feels like my rights are not being respected, even after being a victim of a crime.

What I Need Now : Delete all 16 unauthorized inquiries from my Equifax credit report immediately.

Explain how Equifax investigated my initial identity theft dispute and why these inquiries were left in place.

Respect my rights under the Fair Credit Reporting Act and take action to prevent this from happening again.

Confirm in writing that these inquiries will not appear again in the future.

If no action is taken, I will consider further legal and regulatory options. 

Please take this seriously and act immediately. Ive already done my part. Now I need Equifax and the CFPB to enforce the laws that are supposed to protect me. 

Thank you for your time and support.

Company response to consumer: Closed with explanation