Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15011906
Complaint Overview
Complaint ID: 15011906
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: New Jersey
ZIP Code: 07105
Date Received: 2025-07-31T12:00:00-05:00
Date Sent to Company: 2025-07-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This complaint is being filed because Equifax is reporting XXXX hard inquiries on my credit report that I never approved or authorized : XXXX CARD ( XX/XX/year> ) and XXXX ( XX/XX/year> ). These credit pulls were made without my consent, and I never gave permission for these entities to access my credit information. This violates 15 U.S.C. 1681b of the Fair Credit Reporting Act, which requires a permissible purpose and written authorization before a consumer report can be accessed. I have already disputed these inquiries with Equifax and provided documentation confirming they were not initiated by me. Despite that, Equifax has failed to delete the inquiries or provide any proof of authorization. They have not complied with their obligation to conduct a proper reinvestigation or to provide documentation verifying the legitimacy of these inquiries. These unauthorized inquiries are lowering my credit score and violating my privacy. XXXX failure to remove them or provide any lawful justification constitutes a serious violation of the FCRA. Continued reporting without a legal basis may result in liability under 15 U.S.C. 1681n and 1681o. I am requesting immediate deletion of these inquiries and written confirmation, and I urge the CFPB to hold Equifax accountable for its failure to comply with the law.
Frequently Asked Questions
What is Complaint #15011906 about?
Complaint #15011906 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 2025-07-31T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.