Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
This complaint is submitted against Equifax, Experian, and TransUnion for their failure to maintain accurate information and properly investigate disputes under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

Despite my formal written disputes sent on XX/XX/XXXX, these agencies have continued to report inaccurate personal identifiers and unauthorized inquiries that I did not initiate. Their inaction violates several provisions of the FCRA and has negatively impacted my creditworthiness and access to housing and financial products.

1. Inaccurate Personal Information All three credit reporting agencies continue to report personal data that does not belong to me, including incorrect addresses and name variations.

The false addresses include XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX, neither of which I have ever lived at or used. 
They also report name variations such as XXXX XXXX XXXX and XXXX, XXXX, XXXX, which are inaccurate and misleading.

I provided written notice and requested that these errors be corrected or deleted. However, none of the bureaus have taken proper corrective action. Their continued reporting of false identifying information violates FCRA 607 ( b ) ( failure to maintain maximum possible accuracy ) and 611 ( a ) ( failure to reinvestigate disputed data within 30 days ).

These inaccuracies expose me to a heightened risk of identity theft and directly undermine the integrity of my consumer file.

2. Unauthorized and Unverified Inquiries My consumer reports also contain multiple unauthorized hard inquiries that were not initiated or consented to by me.

For example, TransUnion continues to report a hard inquiry from XXXX  XXXX XXXX dated XX/XX/XXXX, for which I never provided authorization or applied for credit. Additionally, Equifax, Experian, and TransUnion list other inquiries from financial institutions such as XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, among others, which I did not initiate or approve.

When I requested documentation proving that I authorized these inquiries, none of the bureaus produced a signed credit application or written consent. Under 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), a consumer reporting agency may only furnish a consumer report in connection with a transaction not initiated by the consumer if there is explicit authorization or if the transaction involves a firm offer of credit. No such authorization or offer exists in these cases.

This conduct violates FCRA 1681b ( f ) ( furnishing a consumer report without permissible purpose ), 1681n ( b ) ( civil liability for willful noncompliance ), and 611 ( a ) ( failure to delete unverifiable data ). These inquiries continue to negatively affect my credit score and financial opportunities.

3. Failure to Reinvestigate or Provide Verification Each of the three credit bureaus has failed to provide : Documentation verifying permissible purpose for each inquiry ; Proof of my authorization for any of the listed credit pulls ; and Evidence of correction or deletion following my formal dispute.

Their lack of compliance demonstrates a failure to conduct a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ). Additionally, the continued publication of unverifiable data breaches Metro 2 reporting obligations outlined in the 2020 Consumer Reporting Resource Guide ( CRRG ).

4. Requested Relief I respectfully request that the Consumer Financial Protection Bureau : Direct Equifax, Experian, and TransUnion to delete all unauthorized and unverifiable inquiries from my credit files.

Require these bureaus to remove all inaccurate names and addresses that are not associated with me.

Compel each bureau to provide written verification for every inquiry remaining on record, including the specific permissible purpose and signed authorization.

Ensure full compliance under FCRA 616617, including any applicable civil liability for willful or negligent noncompliance. Provide me with an updated and corrected copy of each credit report.

Supporting Evidence Equifax Letter ( XX/XX/XXXX ) : Requests deletion of inaccurate addresses and name XXXX XXXX XXXX. 


Experian Letter ( XX/XX/XXXX ) : References FCRA 611 and Metro 2 standards to dispute incorrect personal data. 


TransUnion Letters ( XX/XX/XXXX ) : Cite 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) regarding unauthorized inquiries and violations of permissible purpose.

Company response to consumer: Closed with non-monetary relief