Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
To Whom It May Concern This letter serves as my formal dispute and complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and all other applicable consumer protection laws. I am demanding the immediate investigation, correction, and removal of inaccurate, incomplete, unverifiable, and damaging information that has been wrongfully reported on my credit file. I am the victim of multiple errors including wrong address reporting, unauthorized inquiries, and misrepresented account payment history. The reporting of this information has caused me significant financial harm, emotional distress, and has directly violated my rights under federal law which require credit bureaus and furnishers to report only accurate and verifiable information. 
Unauthorized/Improper Hard Inquiries ( Violation of FCRA 604, 609, 610, 616, 617 ) XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry, violating FCRA 604 . It creates a misleading picture that I applied for multiple auto loans. This inaccurate reporting made me appear reckless to lenders. I was offered double-digit interest rates on a loan application because of this. It has harmed me financially and emotionally, in direct violation of FCRA 616 ( civil liability for willful noncompliance ). 
XXXX XX/XX/XXXX XXXX This inquiry violates FCRA 604 and 610. I never gave authorization, yet it is harming my file. It misrepresents me as someone constantly applying for loans. This false appearance led to me being denied a credit limit increase, costing me financial growth opportunities. 
XXXX XX/XX/XXXX Inquiry Unauthorized, violating FCRA 604 and 609. It suggests I applied for an auto loan, which I did not. This false inquiry lowered my score and led to higher loan offers. Because of this, I have paid more interest on financing than I should have. This is willful negligence under FCRA 616. 
XXXX  XX/XX/XXXX Inquiry This inquiry was never authorized. It violates FCRA 604 and has no permissible purpose. Because of this false entry, I was denied approval for store credit, costing me the chance to build my credit further. This error makes me look irresponsible, damaging my financial reputation. 
XXXX XX/XX/XXXX Inquiry This unauthorized inquiry violates FCRA 604. It is especially harmful because combined with other auto-related inquiries, it creates a false pattern of desperation for loans. This made me look high-risk, and I was denied fair financing. It has created stress, humiliation, and direct financial loss. 
Overall Harm and Liability Each of these inquiries is a separate violation of the law. FCRA 604 requires permissible purpose, FCRA 609 requires disclosure, FCRA 610 prohibits unauthorized pulls, and FCRA 616617 hold you liable for damages caused by willful or negligent noncompliance. These inquiries collectively damage my credit score, reputation, and financial opportunities. They have caused me denials, higher interest rates, and emotional stress. You are legally obligated to remove them immediately.

Demand for Relief I demand that the above wrong addresses be permanently deleted, that the unauthorized inquiries be removed, and that the inaccurate late payment on my XXXX XXXX XXXX XXXX account be corrected or deleted if unverifiable. Under FCRA 611, you are required to investigate and respond within 30 days of receipt of this letter. If these errors are not corrected, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for statutory damages.

Company response to consumer: Closed with explanation