Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14246231
Complaint Overview
Complaint ID: 14246231
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Mississippi
ZIP Code: 395XX
Date Received: 2025-06-23T12:00:00-05:00
Date Sent to Company: 2025-06-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
FTC REPORT NUMBER : XXXX EQUIFAX CASE NUMBER : XXXX, XXXX I am rewriting to EQUIFAX follow up on a previous complaint regarding fraudulent and unauthorized hard inquiries that continue to appear on my credit report. Despite my prior communication, it seems that no action has been taken to address this alarming issue. These unauthorized inquiries remain unresolved, causing significant harm to my credit reputation and ongoing distress. As detailed in my Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, I have never authorized the companies responsible for these hard inquiries to access my credit report. These inquiries were made without my consent or knowledge, constituting a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to ensure that all information included in a consumers credit report is accurate and authorized. EQUIFAXs failure to remove these fraudulent inquiries after being notified of their unauthorized nature violates its legal obligations under the FCRA, including the duty to investigate disputes and verify the accuracy of reported information. I respectfully request that EQUIFAX take immediate action by conducting a thorough investigation into the unauthorized hard inquiries identified in my credit file. These inquiries must be promptly removed, as they lack proper authorization. Furthermore, I ask that you provide written confirmation of your findings and detail the corrective actions taken to ensure compliance with the FCRA. Please treat this matter with the urgency it deserves. If EQUIFAX fails to address these inaccuracies within the legally mandated timeframe, I may be forced to escalate the matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies to protect my rights under federal law. Thank you for your attention to this serious issue. I trust that EQUIFAX will fulfill its obligations under the FCRA and take the necessary steps to resolve this matter promptly.
Frequently Asked Questions
What is Complaint #14246231 about?
Complaint #14246231 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 2025-06-23T12:00:00-05:00.
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.