Consumer complaint received 2025-10-30 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XX/XX/XXXX SSN : -- XXXX XXXX  Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Comprehensive FCRA Complaint and Identity Theft Dispute Unauthorized Accounts and Inquiries Reported by Experian, Equifax, and TransUnion Introduction I, XXXX XXXX, file this formal complaint against Experian, Equifax, TransUnion, and several furnishers of information ( including XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) for multiple and ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Despite prior notices, valid disputes, and an official Identity Theft Report, the bureaus and furnishers continue to report fraudulent accounts and unauthorized hard inquiries, violating federal consumer protection laws. 



Part I Identity Theft and Fraudulent Accounts The following accounts were established or reported without my authorization : XXXX XXXX XXXX  XXXX {$1900.00} ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX {$3100.00} ( XX/XX/XXXX ) XXXX XXXX {$9600.00} ( XX/XX/XXXX ) XXXX {$2200.00} ( XX/XX/XXXX ) XXXX  {$3700.00} ( XX/XX/XXXX ) XXXX  XXXX XXXX {$2200.00} ( XX/XX/XXXX ) XXXX  XXXX XXXX  {$2900.00} ( XX/XX/XXXX ) XXXX XXXX XXXX  {$4600.00} ( XX/XX/XXXX ) All of these are fraudulent and must be blocked and deleted under FCRA 605B. 



Part II Unauthorized Inquiries ( No Permissible Purpose ) My credit reports also show multiple hard inquiries made without my knowledge, consent, or application for credit. These include : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Each inquiry was obtained without permissible purpose and represents an independent FCRA violation. 



Part III Applicable FCRA Laws and Violations 1. FCRA 602 Purpose and Congressional Findings Congress established that credit reporting must protect consumers right to privacy and ensure fairness and accuracy. Continued reporting of identity theft data and unauthorized inquiries violates this fundamental standard.

2. FCRA 604 Permissible Purpose A consumer report may be accessed only with a legitimate purpose and consumer consent. Each hard inquiry listed above was conducted without authorization, violating 604 ( a ) ( 3 ) ( A ).

Any entity obtaining my report without consent or permissible purpose is in direct violation of federal law and subject to civil penalties.

3. FCRA 605B Blocking Identity Theft Information Upon receipt of my Identity Theft Report, all bureaus were required to block the fraudulent accounts and inquiries within 4 business days. Failure to block this information constitutes willful noncompliance under 616 and 617.

4. FCRA 607 ( b ) Compliance and Accuracy Procedures Bureaus must maintain reasonable procedures to assure maximum possible accuracy. The persistence of false and unauthorized entries shows a systemic violation of 607 ( b ).

5. FCRA 609 ( a ) ( 1 ) & ( 3 ) Consumer Disclosure Rights I was not provided full details about who accessed my report, what permissible purpose they claimed, or copies of applications or authorizations, violating 609 ( a ) ( 1 ) and ( 3 ).

6. FCRA 611 ( a ) Dispute Procedure Requirements Under 611 ( a ) ( 1 ) ( A ), a bureau must investigate disputed data and delete unverifiable items within 30 days. The bureaus failed to investigate, failed to obtain verification, and continued to publish unverifiable and unauthorized information.

7. FCRA 615 ( a ) User Notice of Adverse Action Each entity that accessed my credit report for credit or lending decisions must issue a written notice if adverse action was taken. None provided such notice, violating 615 ( a ).

8. FCRA 623 ( a ) ( 1 ) ( A ) & ( b ) Furnisher Responsibilities Furnishers like XXXX  XXXX, XXXX XXXX, and XXXX continued to report inaccurate data after being notified of disputes, breaching 623 ( a ) and 623 ( b ) ( 1 ).

9. FCRA 628 Proper Disposal and Data Security Failure to secure or dispose of my private identifying dataleading to repeated unauthorized accessviolates 628 ( a ) and ( b ). 

10. FCRA 616617 Civil Liability for Noncompliance Because these violations were repeated and ignored after written notification, the parties are liable for both willful ( 616 ) and negligent ( 617 ) noncompliance.

Part IV Requested Remedies Pursuant to my rights under federal law, I demand the following : 1. Immediate deletion and blocking of all fraudulent accounts and unauthorized inquiries.

2. Written verification of every entity claiming permissible purpose, including copies of credit applications and signatures.

3. Permanent cease and desist from reporting or reinserting deleted data.

4. Compliance confirmation sent to my address within 15 business days. 
XXXX. CFPB enforcement and referral for civil penalties for willful FCRA violations by Experian, Equifax, TransUnion, XXXX XXXX, and all furnishers named above. 



Part V Enclosures Official Identity Theft Report Proof of Identity ( Drivers License and SSN ) Copies of Dispute Letters to All Bureaus Credit Reports Highlighting Fraudulent Accounts and Inquiries Copy of FCRA 605B Certification I certify under penalty of perjury that all information in this letter and its enclosures is accurate and truthful. These violations are ongoing and materially affecting my creditworthiness and privacy. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief