Business Profile

Credit Reporting Agencies

Equifax, Inc.

Complaints

This profile includes complaints for Equifax, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

7,008 total complaints in the last 3 years.
3,345 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:06/20/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
To Whom It May Concern,I am submitting a formal complaint against Equifax concerning inaccurate information on my credit report. These inaccuracies are negatively affecting my credit score and causing significant financial hardship.I am requesting a thorough investigation into the reported data. Please confirm that all information associated with the disputed account is fully accurate and verifiably linked to me. If any portion of the data cannot be conclusively verified, I request that the entire account be removed from my credit report.Thank you for your prompt attention to this matter.
Customer Answer
Date: 06/23/2025
To Whom It May Concern,
My name is Jimmy Zavala, and I am writing to confirm that I have authorized the submission of this complaint to the Better Business Bureau (BBB) on my behalf. This complaint is legitimate and was not submitted in error. I am seeking the BBB’s assistance in resolving fraudulent and unauthorized inquiries that have appeared on my credit report.
Attached are the details of my original complaint along with supporting documentation for your review.
Thank you for your time and assistance.
Sincerely,
Jimmy Zavala
Business Response
Date: 06/25/2025
Equifax, Inc
1550 Peachtree Street NE
Atlanta, Georgia 30309

June 25, 2025

Connie Brown
Better Business Bureau

Re: Jimmy Zavala, Case # 23499323

Dear Connie Brown,
Thank you for submitting Jimmy Zavala’s complaint on 6/20/25 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We reviewed the consumer’s concerns and initiated an investigation, when applicable. The results were mailed to the consumer on 5/28/25.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,

J. Pearson
Equifax Customer Care Team

Customer Answer
Date: 06/27/2025

Better Business Bureau:

I do actually accept the business's response regarding my complaint and find their resolution satisfactory but don't close my complaint yet, as mentioned in the attached - Equifax will get back to me within 30 days, keep this case opened until Equifax have completed their investigation and let me know of the results before closing out my complaint and that will be up for further deliberation. Thank you very much and have a good day! (please refer to/see attached files to my original complaint and Equifax's response.

Sincerely,

Jimmy Zavala
Initial Complaint
Date:06/20/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recently reviewed my credit report, I was shocked to discover multiple accounts that I do not recognize. It is clear that I have been a victim of identity theft. These fraudulent accounts are damaging my credit and affecting my ability to secure credit. Please remove these accounts from my ********************** report.***** ASSOCIATES *8210. $657 PORTFOLIO RECOVERY ASSOCIATES. *2269. $835
Customer Answer
Date: 06/21/2025
Yes, I filed and authorized this complaint
Business Response
Date: 06/25/2025
Equifax, Inc
1550 Peachtree Street NE
Atlanta, Georgia 30309

June 25, 2025

Connie Brown
Better Business Bureau

Re: Bernard Gamamou, Complaint ID # 23499002
Dear Connie Brown,
Thank you for submitting Bernard Gamamou’s complaint on 6/20/25 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
J. Pearson
Equifax Customer Care Team

Customer Answer
Date: 06/26/2025

Complaint: 23499002

I am rejecting this response because:
This is clearly an identity theft, and I need the accounts to be removed from credit report immediately.

Sincerely,

Bernard Gamamou
Business Response
Date: 06/27/2025
Equifax, Inc
1550 Peachtree Street NE
Atlanta, Georgia 30309

June 27, 2025

Connie Brown
Better Business Bureau

Re: Bernard Gamamou, Case # 23499002

Dear Connie Brown,
Thank you for submitting Bernard Gamamou’s complaint on 6/20/25 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We reviewed the consumer’s concerns and initiated an investigation, when applicable. The results were mailed to the consumer on 6/25/25. The disputed accounts have been deleted from the Equifax credit file.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,

J. Pearson
Equifax Customer Care Team

Customer Answer
Date: 06/28/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 23499002, and find that this resolution is satisfactory to me.

I need an updated copy of my credit report showing the accounts have been deleted.

Sincerely,

Bernard Gamamou
Initial Complaint
Date:06/20/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am filing this complaint against Equifax for their continued failure to correct inaccurate and outdated information on my credit report, despite multiple formal disputes submitted with supporting documentation. The bureau has either failed to properly investigate the items in question or has continued to verify inaccurate data without providing any evidence of proper reinvestigation as required by the Fair Credit Reporting Act (FCRA), particularly under 611 (15 U.S. Code 1681i). Some of the negative accounts listed on my ********************** report are either outdated, belong to someone else, or are the result of identity theft. Additionally, the credit bureau has not provided any meaningful response or resolution within the 30-day investigation period mandated by law. I am now seeking assistance from the BBB to help facilitate a resolution. My desired outcome is for the bureau to perform a complete and lawful reinvestigation and remove all accounts and inquiries that are unverifiable, inaccurate, or not legally reportable.
Customer Answer
Date: 06/21/2025
Subject: Response to BBB Inquiry Regarding Complaint ID 23498807

Dear BBB,

Thank you for reaching out regarding my complaint against Equifax, Inc., filed on June 20, 2025.

I am the consumer who had the direct business relationship with Equifax, and I personally authorized the submission of the complaint. The information submitted reflects my personal experience and is based on issues I have encountered with their services.

To clarify:
• No third party submitted this complaint on my behalf without my knowledge.
• The content of my complaint reflects my own experience and was filed by me directly, or with the assistance of an authorized representative I personally approved.

Please let me know if any further verification is needed on my end to proceed with the complaint process.

Sincerely,
Sherry Rezaei
22127 Roxanne Field Ln
Houston, TX 77447
Business Response
Date: 06/25/2025
Equifax, Inc
1550 Peachtree Street NE
Atlanta, Georgia 30309

June 25, 2025
Connie Brown
Better Business Bureau
Re: Sherry Rezaei, Complaint ID # 23498807
Dear Connie Brown,
Thank you for forwarding Sherry Rezaei's complaint, received on 6/20/25, through the Better Business Bureau Complaint Portal. We understand that the consumer has reported inaccuracies or incorrect items appearing on their credit file.
To effectively address and investigate the concerns, we require specific details regarding the disputed information. Unfortunately, the complaint as received does not include specific account names, account numbers, or the precise nature of the dispute. Providing this level of detail is essential for us to accurately identify and review the items in question.
We kindly request you to provide the following information:
Account Names: The names of the creditors or institutions associated with the disputed accounts.
Account Numbers: The complete account numbers for each disputed account.
Nature of the Dispute: A detailed description of the inaccuracies or errors reported, including dates, amounts, or other relevant information.
Supporting Documentation: Any documentation that supports the dispute, such as statements or correspondence.
Without this specific information, we are unable to proceed with our investigation and resolution of this particular complaint.
If you have any further questions or need assistance in providing this information, they may contact our Customer Care team at (888) 836-6351. Alternatively, they can visit www.myequifax.com to create a myEquifax account, which allows them to manage security freezes, add or remove fraud alerts, initiate credit file disputes, and access free Equifax credit reports and other products.
Sincerely,
J. Pearson
Equifax Customer Care Team
Initial Complaint
Date:06/20/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recently reviewed a copy of my credit report and was shocked to find out I am a victim of identity theft I do not recognize these accounts or inquiries please remove these accounts and inquiries from my credit report they are hurting me and my family ability to obtain credit.ACCOUNTS ********* CBNA 10/1/2017 ALLIANT CU 10/1/2022
Customer Answer
Date: 06/23/2025
Yes I authorize this complaint.
Business Response
Date: 06/26/2025
June 26, 2025

Connie Brown
Better Business Bureau

Re: Demaucs Bell, Complaint ID #23498795
Dear Connie Brown,
Thank you for submitting Demaucs Bell complaint on 6/20/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
K. Jones
Equifax Customer Care Team
Initial Complaint
Date:06/20/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This isa formal complaint against Equifax Credit Bureau regarding their failure to respond to multiple dispute requests concerning unauthorized hard inquiries on my credit report.I filed a dispute for the hard inquiries and also submitted a report with the ************************ (***) regarding this matter. Following this, I sent dispute letters to Equifax on two separate occasions, with the most recent being sent via express mail on June 9th, 2025.Despite these actions and the legal obligation of Equifax to investigate consumer disputes, as of todays date, I contacted Equifax directly and was informed that no investigation has been initiated and the unauthorized hard inquiries are still present on my credit report.This lack of action and failure to comply with the Fair Credit Reporting Act (FCRA) is unacceptable and has caused me unnecessary stress and harm to my credit profile. I am requesting that Equifax immediately investigate and remove the unauthorized hard inquiries:THD CBNA 05.19.2024 ******** NA WAYMC 05.13.2024 CBNA 05.11.2024; DIGITAL FEDERAL CREDIT UNION 02.14.2024; **************** *** NA 02.04.2024; CBNA 01.24.2024; CITIZENS BANK **********.I kindly ask the BBB to assist in facilitating this matter and ensure that Equifax fulfills their legal obligations to protect and respond to consumer disputes in a timely manner.
Customer Answer
Date: 06/20/2025
Dear BBB Representative,

I am writing to confirm that the complaint submitted was filed directly by me. No third parties were involved in the submission of this complaint.

I kindly ask that you give full consideration to my concerns. I am seeking assistance in resolving an ongoing issue with Equifax, who is refusing to remove multiple unauthorized hard inquiries from my credit report.

These inquiries were not authorized by me, and despite my attempts to contact Equifax and dispute them, they have yet to take appropriate action. I believe this is a violation of my rights under the Fair Credit Reporting Act (FCRA), and I am requesting your support in ensuring that this matter is addressed properly.

Thank you for your time and assistance.
Business Response
Date: 06/26/2025
June 26, 2025

Connie Brown
Better Business Bureau

Re: Oleksandr Darii, Complaint ID #23498422
Dear Connie Brown,
Thank you for submitting Oleksandr Darii complaint on 6/20/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
K. Jones
Equifax Customer Care Team

Customer Answer
Date: 06/27/2025

Complaint: 23498422

I am rejecting this response because:

Thank you for your assistance and for taking the time to facilitate communication between myself and Equifax. I truly appreciate your involvement in helping address my concerns regarding unauthorized credit inquiries on my credit report.

However, I must respectfully state that I am not fully satisfied with Equifax’s response, as they have only partially removed the unauthorized inquiries I disputed. While I acknowledge the progress made, several unauthorized hard inquiries still remain on my credit report and continue to have a negative impact on my creditworthiness.

The remaining disputed inquiries are:

THD/CBNA — 05/19/2024
CITIBANK NA, WAYMC- 5/13/2024
CITIZENS BANK — 12/22/2023

I did not authorize these inquiries and did not initiate any credit applications with these entities. Under the Fair Credit Reporting Act (FCRA), 15 U.S. Code § 1681b(c), a consumer reporting agency may only furnish a consumer report with the consumer’s written authorization or in connection with a legitimate business transaction initiated by the consumer.

As such, I request that Equifax reopen this investigation and remove the above unauthorized hard inquiries in accordance with the FCRA. These entries continue to cause unwarranted harm to my credit profile and should not remain if they were made without my consent or any permissible purpose.

Thank you again for your support in this matter. I kindly ask that you escalate or forward this concern accordingly to ensure a fair and thorough resolution.

Sincerely,

Oleksandr Darii
Business Response
Date: 06/29/2025
June 29, 2025

Connie Brown
Better Business Bureau

Re: Oleksandr Darii, Case #23498422

Dear Connie Brown,
Thank you for submitting Oleksandr Darii rebuttal on 6/27/2025 through the BBB Complaint Portal.
Consumers can generally expect to receive the results of their dispute within 30 days. If the information is found to be inaccurate, their credit report will be updated, generally within about 30 days.
If the result of the investigation finds that the information is accurate, it will remain on their credit report. If they still believe the information is inaccurate or incomplete, and have additional information that can help support their dispute, they can file their dispute again. They will also have the option to provide a brief statement on their credit report summarizing their dispute, which can help explain their situation. Or they could contact the creditor to attempt to resolve the issue.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you.

Sincerely,
K. Jones
Equifax Customer Care Team
Initial Complaint
Date:06/20/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am filing this complaint against Equifaxn for their continued failure to correct inaccurate and outdated information on my credit report, despite multiple formal disputes submitted with supporting documentation. The bureau has either failed to properly investigate the items in question or has continued to verify inaccurate data without providing any evidence of proper reinvestigation as required by the Fair Credit Reporting Act (FCRA), particularly under 611 (15 U.S. Code 1681i). Some of the negative accounts listed on my ********************** report are either outdated, belong to someone else, or are the result of identity theft. Additionally, the credit bureau has not provided any meaningful response or resolution within the 30-day investigation period mandated by law. I am now seeking assistance from the BBB to help facilitate a resolution. My desired outcome is for the bureau to perform a complete and lawful reinvestigation and remove all accounts and inquiries that are unverifiable, inaccurate, or not legally reportable.
Customer Answer
Date: 06/21/2025
"I personally submitted this complaint myself.
I was not assisted by any third-party company in filing this.
The information is based on my personal experience with the credit bureau(s)."

Business Response
Date: 06/26/2025
Jun 26, 2025
Connie Brown
Better Business Bureau
Re: Erika Thompson, Complaint ID #23497658
Dear Connie Brown,
Thank you for forwarding Erika Thompson's complaint, received on 6/20/2025, through the Better Business Bureau Complaint Portal. We understand that the consumer has reported inaccuracies or incorrect items appearing on their credit file.
To effectively address and investigate the concerns, we require specific details regarding the disputed information. Unfortunately, the complaint as received does not include specific account names, account numbers, or the precise nature of the dispute. Providing this level of detail is essential for us to accurately identify and review the items in question.
We kindly request you to provide the following information:
Account Names: The names of the creditors or institutions associated with the disputed accounts.
Account Numbers: The complete account numbers for each disputed account.
Nature of the Dispute: A detailed description of the inaccuracies or errors reported, including dates, amounts, or other relevant information.
Supporting Documentation: Any documentation that supports the dispute, such as statements or correspondence.
Without this specific information, we are unable to proceed with our investigation and resolution of this particular complaint.
If you have any further questions or need assistance in providing this information, they may contact our Customer Care team at (888) 836-6351. Alternatively, they can visit www.myequifax.com to create a myEquifax account, which allows them to manage security freezes, add or remove fraud alerts, initiate credit file disputes, and access free Equifax credit reports and other products.
Sincerely,
K. Jones
Equifax Customer Care Team
Initial Complaint
Date:06/20/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by **** 605B, 15 USC 1681c-2. Please find the attached Affidavit and other relevant documents.
Customer Answer
Date: 06/21/2025
To whom it may concern,
I have submitted this claim on my behalf and there is not a third party representing me.
Business Response
Date: 06/25/2025
Equifax, Inc
1550 Peachtree Street NE
Atlanta, Georgia 30309

June 25, 2025

Connie Brown
Better Business Bureau

Re: Terry Bristol, Case # 23496850

Dear Connie Brown,
Thank you for submitting Terry Bristol’s complaint on 6/20/25 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We reviewed the consumer’s concerns and initiated an investigation, when applicable. The results were mailed to the consumer on 6/16/25 and 6/25/25.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,

J. Pearson
Equifax Customer Care Team
Initial Complaint
Date:06/20/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to formally dispute inaccurate information on my credit report as I have recently discovered I am a victim of identity theft. Upon reviewing my credit report, I found an account that I do not recognize and did not open. these accounts are fraudulent and were opened without my knowledge or authorization. It is negatively affecting my credit and causing significant distress and hardship as I attempt to obtain legitimate credit.I respectfully request the immediate removal of this account from my ********************** report in accordance with the Fair Credit Reporting Act (FCRA **************** Account number - **************** COLUMBIA DEBT RECOVERY Account number - ******************** NATIONAL ********************** MGMT - Account number - ******* ************** COMPA - Account Number - ******** ********************** Number - ******************
Customer Answer
Date: 06/20/2025
I Mahdi Farooqi have authorized BBB & I personally submitted this initial request for a dispute within the BBB file a complaint portal
Business Response
Date: 06/25/2025
Equifax, Inc
1550 Peachtree Street NE
Atlanta, Georgia 30309

June 25, 2025

Connie Brown
Better Business Bureau

Re: Mahdi Farooqi, Case # 23496567

Dear Connie Brown,
Thank you for submitting Mahdi Farooq’s complaint on 6/20/25 through the BBB Complaint Portal.
Consumers can generally expect to receive the results of their dispute within 30 days. If the information is found to be inaccurate, their credit report will be updated, generally within about 30 days.
If the result of the investigation finds that the information is accurate, it will remain on their credit report. If they still believe the information is inaccurate or incomplete, and have additional information that can help support their dispute, they can file their dispute again. They will also have the option to provide a brief statement on their credit report summarizing their dispute, which can help explain their situation. Or they could contact the creditor to attempt to resolve the issue.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you.

Sincerely,
J. Pearson
Equifax Customer Care Team

Customer Answer
Date: 06/26/2025

Complaint: 23496567

I am rejecting this response because I reviewed my Consumer Reports and noticed that there was a number of many inaccurate account(s) on my credit report

Consumer Reporting Agencies Have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy

I contacted and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and i requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if cannot be supported by any evidence or proof

Sincerely,

Mahdi Farooqi
Business Response
Date: 06/26/2025

June 26, 2025

Connie Brown
Better Business Bureau

Re: Mahdi Farooqi, Case #23496567

Dear Connie Brown,
Thank you for submitting Mahdi Farooqi rebuttal on 6/26/2025 through the BBB Complaint Portal.
Consumers can generally expect to receive the results of their dispute within 30 days. If the information is found to be inaccurate, their credit report will be updated, generally within about 30 days.
If the result of the investigation finds that the information is accurate, it will remain on their credit report. If they still believe the information is inaccurate or incomplete, and have additional information that can help support their dispute, they can file their dispute again. They will also have the option to provide a brief statement on their credit report summarizing their dispute, which can help explain their situation. Or they could contact the creditor to attempt to resolve the issue.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.
Thank you for the opportunity to assist you.

Sincerely,
K. Jones
Equifax Customer Care Team
Initial Complaint
Date:06/20/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was informed of hard credit searches which i have no knowledge of or authorised and would like these removed from my credit report: Some searches are just outside the 12 months but these are searches I do not have any knowledge of and would like these removed from my credit record. These are as below: WIZ LEASING Inquiry: Mar. 24, 2025 Automotive NAVIGANT CRE Inquiry: Mar. 22, 2025 Credit Unions and Finance Companies Other Than Personal Finance Companies ****** FCU Inquiry: Mar. 22, 2025 Finance/Personal WIZ LEASING Inquiry: Mar. 22, 2025 Automotive CREDITONEBK Inquiry: Feb. 28, 2025 *************************************** Inquiry: Mar. 22, 2024 Finance/Personal COAF Inquiry: Mar. 22, 2024 Finance/Personal CHEV OF **** Inquiry: Mar. 22, 2024 Automotive FIRST HELP FINANCIAL Inquiry: Mar. 22, 2024 Finance/Personal ************** CONNEX CU Inquiry: Mar. 12, 2024 Credit Unions and Finance Companies Other Than Personal Finance Companies FIRST HELP FINANCIAL Inquiry: Mar. 05, 2024 Finance/Personal ************** JPMCB AUTO Inquiry: Mar. 04, 2024 Banks *** ******* Inquiry: Mar. 02, 2024 Automotive NAPOLI INDOO Inquiry: Feb. 17, 2024
Customer Answer
Date: 06/20/2025
Hi,
Thank you for the email, I can assure you that I am filing this claim based on the facts I provided and I personally provide confirmation that this matter be reviewed and actioned accordingly due to the issues I have raised with no knowledge of these hard enquiries and were certainly not authorized.
Best Regards, Duncan Mann
Business Response
Date: 06/26/2025
June 26, 2025

Connie Brown
Better Business Bureau

Re: Duncan Mann, Complaint ID #23496356
Dear Connie Brown,
Thank you for submitting Duncan Mann's complaint on 6/20/2025 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
K. Jones
Equifax Customer Care Team

Customer Answer
Date: 06/27/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 23496356, and find that this resolution is satisfactory to me as long as a response and required actions are received within the timeframe specified by the 3rd party agent.

Sincerely,

Duncan Mann
Initial Complaint
Date:06/20/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
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I am demanding, under the Fair Credit Reporting Act Section 605B (15 U.S.C. 1681c-2), that you, the Equifax credit bureau immediately and permanently block all fraudulent information from my credit file, including the following fraudulent accounts, collections, inquiries, and any other types of fraudulent datawhether or not explicitly listed: A fraudulent loan at ******************* opened on March 5, 2025, a fraudulent credit card at NAVY FEDERAL CREDIT opened on December 14, 2024 and another fraudulent credit card at ***************** opened on February 8, 2024. These items were opened, reported, or accessed without my knowledge, consent, or fraudulent authorization, and are the result of identity theft and fraud. These accounts are 100% fraudulent and must be treated as such. Under federal law, you are required to block all fraudulent information within 4 business days of receiving this dispute and the supporting documentation *** provided: a valid photo ID and FTC Identity Theft Report #*********. This deadline is non-negotiable. Failure to comply will be considered a willful violation of federal law and will result in immediate escalation to the ***** FTC, and legal action. These accounts must never be reinserted into my credit file under any circumstances. Any reinsertion attempt will be treated as a clear violation of the ****. I expect full compliance, permanent removal of all fraudulent items, and written confirmation with an updated credit report delivered without delay.Therefore, I demand that you block and permanently remove all fraudulent information listed in this dispute within 4 business days, as required by federal law. Nothing may be reinserted under any circumstances. Send all confirmation and my updated credit report to ************************ Attached are my government-issued photo ID and FTC Identity Theft Report. Failure to comply will result in immediate legal escalation without further notice.
Customer Answer
Date: 06/20/2025
I submitted this dispute myself
Business Response
Date: 06/25/2025
Equifax, Inc
1550 Peachtree Street NE
Atlanta, Georgia 30309

June 25, 2025

Connie Brown
Better Business Bureau

Re: Aiden Brown, Complaint ID # 23494966
Dear Connie Brown,
Thank you for submitting Aiden Brown’s complaint on 6/19/25 through the BBB Complaint Portal. In their complaint, they indicated that there were inaccurate or incorrect items reporting on their credit file.
We are reviewing the consumer’s concerns and are initiating an investigation with the data furnishers, when applicable. The results will be provided directly to the consumer within 30 days of the dispute request.
If they have any additional questions, they may call (888) 836-6351 or they may visit www.myequifax.com. With myEquifax, they can create an account to manage their security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, they can access free Equifax credit reports and other products.

Sincerely,
J. Pearson
Equifax Customer Care Team

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