Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
I, XXXX XXXX, submit this formal complaint against Equifax, Experian, and TransUnion for their continued and willful violations of federal and state consumer protection laws. Despite multiple disputes and legal demands, they have failed to investigate and remove unauthorized hard inquiries which were not initiated, authorized, or permitted by me. These inquiries violate : I. FEDERAL LAW VIOLATIONS Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 1681b ( a ) ( 3 ) No permissible purpose for inquiry 1681b ( c ) ( 1 ) ( A ) No written consumer authorization 1681e ( a ) Failure to implement reasonable procedures for accuracy 1681g ( a ) Failure to disclose the identity of the party who accessed my file 1681h Failure to disclose original documentation and inquiry data 1681i ( a ) ( 1 ) ( A ) Failure to investigate disputed information within 30 days 1681i ( a ) ( 5 ) ( A ) Unverifiable information not deleted 1681i ( a ) ( 6 ) ( B ) ( iii ) No response on dispute findings 1681n & 1681o Civil liability for willful or negligent noncompliance Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 1692g ( a ) Failure to send debt validation notice within 5 days 1692g ( b ) Continuing collection actions without validating debt 1692e ( 8 ) Reporting disputed information without noting the dispute 1692f Use of unfair/unconscionable means, including coercive credit pulls Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809 6801 ( b ) Failure to protect consumer data from unauthorized access 6802 Unlawful use/disclosure of private consumer financial data Metro 2 Credit Reporting Standards Violations Failure to verify and document inquiries as consumer-initiated Failure to follow Data Furnisher Responsibility guidelines II. ARIZONA STATE LAW VIOLATIONS Arizona Consumer Fraud Act A.R.S. 44-1522 Deceptive practices in handling unauthorized inquiries Arizona Credit Reporting Act A.R.S. 44-1692 Duty to accurately maintain and correct reports, including inquiries III. INQUIRIES TO BE REMOVED ( ALL UNAUTHORIZED ) : Experian EXPERIAN BUSINESS CRED 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX DEMANDS FOR RELIEF Immediate removal of all unauthorized hard inquiries across all three bureaus. Full documentation under FCRA 609 ( a ) ( 1 ), 610, 611 ( a ) ( 7 ) verifying permissible purpose and consumer authorization. Written confirmation of deletions within 15 calendar days as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Implementation of fraud alerts and flagging of my credit files under FCRA 1681g ( e ). Assurance of non-reinsertion without legal validation, as reinsertions constitute violations of 1681i ( a ) ( 5 ) ( B ). V. IMPACT & DAMAGES The continued reporting of these unauthorized inquiries has caused me financial harm, denial of credit, emotional distress, and loss of access to housing and employment opportunities. Their refusal to comply has violated multiple consumer protection laws, justifying regulatory action, penalties, and mandatory reform. VI. SUPPORTING ENFORCEMENT HISTORY Experian Lawsuit ( CFPB XX/XX/XXXX ) Mishandled disputes, unauthorized reinsertion. TransUnion Settlement ( CFPB XX/XX/XXXX ) $ XXXX fine for report inaccuracies. Equifax Lawsuit ( CFPB XX/XX/XXXX ) Continued false reporting and FCRA violations. VII. REQUEST FOR CFPB ACTION I request that the Consumer Financial Protection Bureau enforce immediate corrective action against Equifax, Experian, and TransUnion for all violations outlined above, including financial penalties and permanent deletion of all disputed inquiries. Attached Supporting Documents : Dispute letters to Equifax, Experian, and TransUnion Legal demands and law citations Identity information Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation