Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15618316
Complaint Overview
Complaint ID: 15618316
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Ohio
ZIP Code: 447XX
Date Received: 2025-08-29T12:00:00-05:00
Date Sent to Company: 2025-08-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I discovered multiple unauthorized credit inquiries on my consumer reports from various financial institutions, including 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, and XXXX XXXX ( with one inquiry on XX/XX/XXXX and another on XX/XX/XXXX ). I did not apply for credit with any of these entities, nor did I authorize these inquiries, making them fraudulent and without permissible purpose under the Fair Credit Reporting Act. To protect myself, I filed an official FTC Identity Theft Report ( # XXXX ) on XX/XX/XXXX, formally documenting my victim status and providing evidence that these inquiries were the result of identity theft. That same day, I also submitted requests to the major credit bureaus demanding the removal of these inquiries, as required under the FCRA and the FTC Identity Theft Rules. Despite my efforts, the fraudulent inquiries remain on my credit reports, continuing to harm my credit profile and financial stability. Legal Violations and Consumer Rights Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) gives me the right to block fraudulent information from my credit file after submitting an identity theft report. FCRA 611 ( 15 U.S.C. 1681i ) requires credit bureaus to conduct a reasonable reinvestigation and delete inaccurate or fraudulent information. FCRA 604 ( 15 U.S.C. 1681b ) prohibits credit inquiries without permissible purpose. These inquiries had no permissible purpose since I did not seek credit. FTC Identity Theft Rules ( 16 C.F.R. 603.3 ) reinforce that bureaus and furnishers must honor an FTC Identity Theft Report and immediately remove fraudulent data. These fraudulent inquiries have significantly lowered my credit score, making it more difficult for me to secure legitimate credit and creating unnecessary financial barriers. Beyond the financial harm, this situation has caused me emotional distress and forced me to spend substantial time and effort filing reports, contacting credit bureaus, and closely monitoring my accounts. I continue to live with the ongoing concern that my personal information is still at risk, which has left me feeling vulnerable and uncertain about my financial security. Supporting Documentation : FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ) Copies of dispute letters to credit bureaus Credit report excerpts showing unauthorized inquiries
Frequently Asked Questions
What is Complaint #15618316 about?
Complaint #15618316 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-08-29T12:00:00-05:00.
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.