Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18159056
Complaint Overview
Complaint ID: 18159056
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: 07724
Date Received: 2025-12-18T12:00:00-05:00
Date Sent to Company: 2025-12-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding an unauthorized hard inquiry on my Equifax credit report, which was reported on XX/XX/year> by XXXX XXXX. This inquiry was neither initiated, authorized, nor consented to by me, and I assert that it is the result of identity theft. This violation is in direct contravention of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ), as there was no permissible purpose for this inquiry. Despite submitting an FTC Identity Theft Report ( Report Number : XXXX ), which clearly outlines the fraudulent activity, no corrective actions have been taken by Equifax to remove this unauthorized inquiry. I have made multiple attempts through the FTC to resolve this issue, but as of now, the inquiry remains on my credit report. I am now filing this complaint with the Consumer Financial Protection Bureau ( CFPB ), requesting immediate action to delete this unauthorized hard inquiry from my credit report and update my file accordingly. This ongoing issue has caused significant emotional distress and damage to my credit profile. I am asking the CFPB to compel Equifax to comply with the law by removing the fraudulent inquiry and ensuring my credit report is accurate. If this matter is not resolved promptly, I will pursue further legal action.
Frequently Asked Questions
What is Complaint #18159056 about?
Complaint #18159056 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 2025-12-18T12:00:00-05:00.
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.