Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7038399
Complaint Overview
Complaint ID: 7038399
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Maryland
ZIP Code: 20603
Date Received: 2023-05-28T12:00:00-05:00
Date Sent to Company: 2023-05-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is the 4th CFPB complaint filed. The previous 3 complaints resulted with Equifax agreeing to remove the fraudulent, unauthorized hard inquiry but the inquiry is still there as of XX/XX/XXXX. Equifax has not removed a hard inquiry from XXXX XXXX XXXX received on my credit report on XX/XX/XXXX. Ive provided supporting documentation that proves that the hard inquiry was unauthorized and a fraud attempt to obtain a line of credit under my Social Security number including a letter directly from XXXX XXXX XXXXXXXX XXXX , acknowledging the fraudulent activity. Ive attached a letter from the bank also confirming that the hard inquiry was unauthorized and should be removed from all three credit bureaus. Equifax is the only bureau that acknowledged the inquiry was fraudulent but still has not removed the fraudulent inquiry from my credit report. I have been submitting disputes every day on the Equifax website for this hard inquiry ever since it was reported on XX/XX/XXXX, but the results from my dispute is closed within hours, which leads me to believe no actual investigation was done regarding the fraudulent inquiry. I immediately initiated a fraud alert, and a credit freeze at all three credit bureaus due to this fraudulent attempt with my social security number and Equifax needs to remove this fraudulent hard inquiry from XXXX XXXX XXXX dated XX/XX/XXXX from my credit report. Equifax confirmed in the prior 3 CFPB complaint that the hard inquiry was fraudulent and deleted but the inquiry in still on my Equifax credit report and was not removed.
Frequently Asked Questions
What is Complaint #7038399 about?
Complaint #7038399 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-05-28T12:00:00-05:00.
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, credit repair services, 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.