Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12661786
Complaint Overview
Complaint ID: 12661786
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Illinois
ZIP Code: 60074
Date Received: 2025-03-23T12:00:00-05:00
Date Sent to Company: 2025-03-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute several unauthorized inquiries that have been recorded on my credit file. Upon reviewing my recent credit report, I have identified a number of inquiries that were made without my consent or knowledge. These inquiries are fraudulent and result from identity theft. I hereby demand immediate removal of these inquiries from my credit report, in compliance with all applicable federal and state laws governing credit reporting. The unauthorized inquiries are as follows : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I am a victim of identity theft, I invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies must promptly investigate and correct any disputed information, including fraudulent inquiries, within 30 days of notification. Specifically, I am requesting the following actions : - Immediate removal of all fraudulent inquiries listed above from my credit file. - Written confirmation that these inquiries have been removed and that my credit report has been updated accordingly. As supporting documentation, I am providing the following : - A copy of my government-issued photo ID to confirm my identity. - A copy of the Federal Trade Commission ( FTC ) Identity Theft Report or other official documentation of the identity theft incident. - Copy of Identyty Theft Report Pursuant to the FCRA, I request that you thoroughly investigate this matter and take the necessary steps to correct my credit file. Should you require any additional information or documentation, please contact me directly at the information provided above. Additionally, I request that you inform me of the outcome of your investigation within 30 days of receipt of this letter, as required by law. Please note that failure to comply with this request will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies, and to pursue all available legal remedies to enforce my rights under the Fair Credit Reporting Act and the Identity Theft and Assumption Deterrence Act. Thank you for your prompt attention to this serious matter. I expect swift action to ensure that my credit report is corrected and that my legal rights are fully protected.
Frequently Asked Questions
What is Complaint #12661786 about?
Complaint #12661786 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-03-23T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.