Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7525428
Complaint Overview
Complaint ID: 7525428
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: Massachusetts
ZIP Code: 01757
Date Received: 2023-09-09T12:00:00-05:00
Date Sent to Company: 2023-09-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A fraudulent application for credit was submitted in my name without my knowledge or approval to a lender on XX/XX/2023. I received a letter in the mail from the lender informing me of the fraudulent application on XX/XX/2023. I immediately called the lender to report the application as fraud and placed a security freeze on my credit file with all three major CRAs. I also submitted an identity theft report with the FTC on XX/XX/2023. A month after calling the lender, the hard inquiry had still not been removed from my Equifax credit report, so I filed a dispute with Equifax on XX/XX/2023 ( Confirmation # : XXXX ) to have the hard inquiry removed from my credit file. Less than 26 hours later, I received a notice from Equifax informing me that INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. On XX/XX/2023 I submitted a new dispute ( Confirmation # : XXXX ) and received the same response. Equifaxs own website states : When a lender requests to review your credit reports after you've applied for credit, it results in a hard inquiry. Im not disputing the fact that my credit file was accessed on XXXX by the lender. However, as stated above, the inquiry occurred without my knowledge or approval. I did not submit an application for credit with this lender, a thief who committed fraud submitted the application. Based on Equifaxs own language about hard inquiries, this information reported in my credit file is inaccurate. I did not submit the application for credit, and therefore a hard inquiry should not be reflected in my credit file.
Frequently Asked Questions
What is Complaint #7525428 about?
Complaint #7525428 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 2023-09-09T12:00:00-05:00.
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.