Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
I reject Equifaxs response in full and demand immediate federal intervention. This is not a misunderstanding this is a blatant, repeated, and willful violation of FCRA 605B. I am not disputing general tradelines or account information. I am disputing only hard inquiries that resulted from identity theft. I submitted a fully compliant 605B identity theft packet on XX/XX/XXXX, including an FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a credit report clearly marking each fraudulent inquiry. Once that documentation was submitted, Equifaxs legal duty under 605B ( a ) was unambiguous : block the disputed inquiries within 4 business days. Period. No investigation. No verification. No delay. Instead, Equifax deliberately ignored this legal obligation and responded with misleading boilerplate language pulled from generic FCRA 611 procedures, not 605B. This is deceptive conduct. You falsely stated that inquiries are a factual record of file access this is a lie. Fraudulent access is not factual. If someone robs a bank, the surveillance footage is not a factual record of authorized entry. Its a record of a crime. Thats what these inquiries represent : unauthorized access to my private credit file. Telling me to contact the creditor directly is another deliberate evasion of responsibility. The law prohibits Equifax from contacting the furnisher for verification under 605B and it definitely does not allow Equifax to shift that burden onto the victim. You are outsourcing compliance to criminals and hoping I give up. Furthermore, you claim some of these inquiries are not currently reporting then where is your legal notice of deletion? Under 605B ( b ), Equifax is required to provide written notice within 5 business days explaining why it refused to block any item. You provided no such notice. That is a second violation. And your soft inquiry excuse is irrelevant if the inquiry was unauthorized, I dont care what type it is. Its identity theft, and it must be removed. You also stated that inquiries must remain for two years incorrect. 605B overrides that retention policy. The moment identity theft documentation is received, the bureau has a federal obligation to remove it. Your policy does not supersede the law. The fact that you removed one inquiry ( XXXX XXXX XX/XX/XXXX ) proves you received and processed my package but intentionally ignored the others. That confirms this is not incompetence its a pattern of selective enforcement and obstruction. You are violating federal law, misleading victims, stonewalling identity theft complaints, and falsely applying 611 standards to a 605B process. I demand immediate removal of the following fraudulent hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. If these inquiries are not removed within 10 business days, I will file : ( 1 ) A formal FTC complaint for willful violation of 605B, ( 2 ) A second CFPB complaint referencing this deceptive and unlawful response, ( 3 ) And I will initiate legal escalation with the Georgia Attorney General. I also demand that Equifax produce notarized, sworn affidavits from each creditor proving my written authorization for these inquiries. Until you do, your claim that they are factual is legally worthless. You are obstructing identity theft remediation, violating federal consumer rights, and acting in bad faith. Fix it or I escalate.

Company response to consumer: Closed with explanation