Complaints
This profile includes complaints for Equifax, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 7,061 total complaints in the last 3 years.
- 3,400 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:06/17/2025
Type: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 I had been a victim of identity theft, I do not recognize these accounts. Please remove this from my credit report they are hurting my ability to obtain credit.MIDLAND CREDIT MANAGEMENT x8994 $1,261 MIDLAND CREDIT MANAGEMENT x7480 $1,291 MIDLAND CREDIT MANAGEMENT x7380 $1,732 MIDLAND CREDIT MANAGEMENT x7378 $868 **************** x1007 $890Customer Answer
Date: 06/18/2025
I sent this complaint myself with no third party, and ask for you to proceed if you can on filing complaint
Business Response
Date: 06/25/2025
June 25, 2025
Connie Brown
Better Business Bureau
Re: Stephen Gonzalez, Complaint ID #23482190
Dear Connie Brown,
Thank you for submitting Stephen Gonzalez complaint on 6/17/2025 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 TeamCustomer Answer
Date: 06/25/2025
Complaint: 23482190
I am rejecting this response because: I don't want this case to be closed after 7 days for no response until they investigate and it is fixed. I know they mentioned 30 days so would like the case to remain open until they respond with something more.
Sincerely,
Stephen GonzalezBusiness Response
Date: 06/26/2025
June 26, 2025
Connie Brown
Better Business Bureau
Re: Stephen Gonzalez, Case #23482190
Dear Connie Brown,
Thank you for submitting Stephen Gonzalez rebuttal on 6/25/2025 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 TeamInitial Complaint
Date:06/17/2025
Type: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.
Upon reviewing my credit report, I noticed several inaccuracies associated with this account. This account is negatively impacting my ability to obtain credit. I am requesting that you conduct a thorough investigation to verify the accuracy and completeness of the information, as required under the Fair Credit Reporting Act (15 U.S.C. 1681i).Customer Answer
Date: 06/17/2025
I submitted the complaint on my behalf no third parties involved.Business Response
Date: 06/24/2025
June 24, 2025
Connie Brown
Better Business Bureau
Re: Yarelis Davila Santiago, Complaint ID #23481945
Dear Connie Brown,
Thank you for submitting Yarelis Davila Santiago complaint on 6/17/2025 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 TeamInitial Complaint
Date:06/17/2025
Type: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 dispute and seek clarification regarding discrepancies I have identified on my credit reports from Experian and Equifax related to my ********* CBNA secured credit card account (Account Number: ************), which was opened on October 30, 2021, with a credit limit of $500. Although both bureaus report the account as closed, the closure dates differExperian lists it as closed on February 1, 2025, while Equifax reports April 24, 2025. Similarly, the date of last activity is shown as February 1, 2025, by Experian and April 24, 2025, by Equifax. The payment status is also inconsistent: Experian states Legally paid in full for less than the full balance, whereas Equifax reports the account as a Charge-off. Additionally, the payment history reported by Experian reflects a charge-off sequence (************CO), while Equifax shows delinquencies without indicating a charge-off (************). These discrepancies raise concerns about the accuracy of the information being reported, and I respectfully request that this account be reviewed and corrected accordingly. Please let me know if further documentation is needed to assist in resolving this matter.Customer Answer
Date: 06/17/2025
Yes, I, Tristan Timms, hereby provide my written confirmation that I fully authorize the submission of this complaint. I am formally requesting the assistance of the Better Business Bureau in resolving this matter.
My concerns are:
Inaccurate Account Number: The primary concern is that even the provided account number "542418******" is stated as not accurate by you. This immediately raises red flags about the integrity of the data.
Discrepancy in Account Type: One bureau lists it as a "Secured Credit Card," while the other calls it "Revolving." This fundamental difference in account classification is a serious inaccuracy.
Conflicting Balance Information: Experian shows no balance information, while Equifax reports a $0 balance. While a $0 balance might seem positive, the lack of information from one bureau is still an inconsistency that needs clarification.
Differing Closed Dates, Dates of Last Activity, and Date Reported: The variations in these dates (February 2025 vs. April 2025) across the bureaus indicate a lack of synchronized and accurate reporting.
Wildly Different Payment Statuses: Experian reports "Legally paid in full for less than the full balance," which is a positive resolution, while Equifax states "Charge-off," which is a severe negative mark. This is perhaps the most critical discrepancy as it directly impacts your creditworthiness.
Inconsistent Payment History Details: While both show initial delinquencies, Experian includes "CO" (Charge-off) in its history, while Equifax does not explicitly note a charge-off despite listing the payment status as such. This further compounds the confusion around the account's true status.Business Response
Date: 06/24/2025
June 24, 2025
Connie Brown
Better Business Bureau
Re: Tristan Timms, Complaint ID #23481884
Dear Connie Brown,
Thank you for submitting Tristan Timms complaint on 6/17/2025 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 TeamCustomer Answer
Date: 06/25/2025
Complaint: 23481884
I am rejecting this response because:
Thank you for forwarding Equifax’s response regarding my complaint.Unfortunately, I must respectfully reject their proposed resolution, as it does not adequately address the core issue I raised. My concern centers on the presence of inaccurate or incorrect information on my credit file—information that has already been disputed in the past without meaningful correction or explanation. Simply stating that an investigation has been "initiated" and that results will be provided within 30 days is insufficient, particularly given Equifax's prior failure to resolve this matter appropriately.
At this point, I am requesting the following from Equifax as part of a satisfactory resolution:
Specific details about which items are being investigated and the data furnishers involved.
A clear timeline of previous disputes and responses related to the same accounts or inaccuracies.
Temporary suppression or flagging of the disputed accounts so they do not negatively impact my creditworthiness during the investigation.
Assurance of compliance with the Fair Credit Reporting Act (FCRA), including my right to a timely, accurate, and complete response.This issue has already caused significant and unjust damage to my credit profile. I expect a more transparent and accountable approach from Equifax moving forward.
Thank you again for your assistance in facilitating this process. I look forward to your continued support in helping resolve this matter.
Sincerely,
Tristan TimmsBusiness Response
Date: 06/26/2025
June 26, 2025
Connie Brown
Better Business Bureau
Re: Tristan Timms, Case #23481884
Dear Connie Brown,
Thank you for submitting Tristan Timms rebuttal on 6/25/2025 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
June 26, 2025Initial Complaint
Date:06/17/2025
Type: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 obtained a copy of my credit report and was completely shocked to discover an account Ive never seen before. This is extremely bizarre and concerning, as I do not recognize this account at all. I believe Ive been a victim of identity theft. Please investigate and remove this from my credit report immediately, as its negatively impacting my ability to access credit and financial *********************: ********************************** Acc #: ****************Customer Answer
Date: 06/17/2025
I recently obtained a copy of my credit report and was completely shocked to discover an account I’ve never seen before. This is extremely bizarre and concerning, as I do not recognize this account at all. I believe I’ve been a victim of identity theft. Please investigate and remove this from my credit report immediately, as it’s negatively impacting my ability to access credit and financial opportunities. Company: Portfolio Recovery Associates, LLC Acc #: 4003448497361535Business Response
Date: 06/24/2025
June 24, 2025
Connie Brown
Better Business Bureau
Re: Jabari Champion, Complaint ID #23481828
Dear Connie Brown,
Thank you for submitting Jabari Champion complaint on 6/17/2025 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 TeamCustomer Answer
Date: 06/24/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID 23481828, and find that this resolution is satisfactory to me.
Sincerely,
Jabari ChampionInitial Complaint
Date:06/17/2025
Type: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 noticed a hard inquiry on my credit report that I do not recognize. I would like it removed asap please. ******************** NA 04/20/2025Customer Answer
Date: 06/18/2025
Yes, I authorized this complaintBusiness Response
Date: 06/24/2025
June 24, 2025
Connie Brown
Better Business Bureau
Re: Anthony Stafki, Complaint ID # 23481769
Dear Connie Brown,
Thank you for submitting Anthony Stafki complaint on 6/17/2025 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 TeamCustomer Answer
Date: 06/25/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID 23481769, and find that this resolution is satisfactory to me.
Sincerely,
Anthony StafkiInitial Complaint
Date:06/17/2025
Type: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 a copy of my credit report and was shocked to find I had been the victim of Identity Theft. I do not recognize these accounts please remove them all from my credit report as they are hurting my ability to obtain credit.Customer Answer
Date: 06/18/2025
I authorize this complaintBusiness Response
Date: 06/24/2025
June 24, 2025
Connie Brown
Better Business Bureau
Re: Zachary Scalice, Complaint ID #23481733
Dear Connie Brown,
Thank you for submitting Zachary Scalice's complaint on 6/17/2025 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 TeamCustomer Answer
Date: 06/24/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID 23481733, and find that this resolution is satisfactory to me.
Sincerely,
Zachary ScaliceInitial Complaint
Date:06/17/2025
Type: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 a copy of my credit report and was shocked to find I had been a victim of identity theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit. **************** 444796XXXXXXXXXXCustomer Answer
Date: 06/17/2025
yes I authorize this complaintBusiness Response
Date: 06/24/2025
June 24, 2025
Connie Brown
Better Business Bureau
Re: Edward Robinson, Complaint ID #23481285
Dear Connie Brown,
Thank you for submitting Edward Robinson complaint on 6/17/2025 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 TeamCustomer Answer
Date: 06/24/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID 23481285, and find that this resolution is satisfactory to me.
Sincerely,
Edward RobinsonInitial Complaint
Date:06/17/2025
Type: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 a copy of my credit report and was shocked to find I had been a victim of identity theft. I do not recognize these accounts, please remove them from my credit report as they are hurting my ability to obtain credit. - CONSERVE XXXXXX10 - CONSERVE XXXXXX13 - *************************** XXXXXX0719Customer Answer
Date: 06/17/2025
I authorized this complaint of my own volitionBusiness Response
Date: 06/25/2025
June 25, 2025
Connie Brown
Better Business Bureau
Re: Justin Blackwood, Complaint ID #23481210
Dear Connie Brown,
Thank you for submitting Justin Blackwood complaint on 6/17/2025 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 TeamCustomer Answer
Date: 07/02/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID 23481210, and find that this resolution is satisfactory to me.
Sincerely,
Justin BlackwoodInitial Complaint
Date:06/17/2025
Type: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 is complaint against Equifax, as Ive been dealing with an ongoing issue involving unauthorized hard inquiries that were added to my credit report without my consent.These inquiries were the result of identity theft, and Ive already taken the appropriate steps by submitting a report through the ************************ (***). I also provided Equifax with all required documentation, including a copy of the *** Identity Theft Report and a letter explaining that I did not initiate these credit checks.Unfortunately, Equifax has declined to remove the fraudulent inquiries, despite having received clear evidence that they were the result of criminal activity. Their refusal to correct this misinformation is deeply frustrating, especially given the legal obligations they have under the Fair Credit Reporting Act (FCRA).This situation is affecting my peace of mind and could damage my credit score. I am asking for the BBBs assistance in urging Equifax to properly investigate and remove these hard inquiries from my file: CIC MORTGAGE CREDIT 05.22.2025 XACTUS 04.24.2025 ADVANTAGE CREDIT 05.27.2025 FACTUAL DATA 03.18.2025Customer Answer
Date: 06/17/2025
Please note, I’m not using any third parties for this reason. This complaint sent by me and I’m asking BBB to to protect my rights and privacy as they reporting hard inquiries on my report that I have never authorized and I believe they are result of fraud.Business Response
Date: 06/24/2025
June 24, 2025
Connie Brown
Better Business Bureau
Re: Ruslan Brodovyi, Complaint ID #23481094
Dear Connie Brown,
Thank you for submitting Ruslan Brodovyi complaint on 6/17/2025 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 TeamCustomer Answer
Date: 06/24/2025
Complaint: 23481094
I am rejecting this response because: I pulled up my credit report and still see these inquiries on my credit report. Equifax did not open any investigation as I called to supervisor and I been told that they didn’t receive any documents. It sounds like Equifax gave false responses to BBB and me.
Sincerely,
Ruslan BrodovyiBusiness Response
Date: 06/26/2025
June 26, 2025
Connie Brown
Better Business Bureau
Re: Ruslan Brodovyi, Case #23481094
Dear Connie Brown,
Thank you for submitting Ruslan Brodovyi rebuttal on 6/17/2025 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 TeamInitial Complaint
Date:06/17/2025
Type: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 have made thorough efforts to contact each of the companies listed, and the majority have confirmed that they have no record of me in their systems. This raises serious concerns as to how these entities could have had a lawful or permissible purpose to access my credit report. Consequently, multiple unauthorized hard inquiries have appeared on my consumer FICO credit file.These inquiries are a direct result of identity theft and were not initiated or authorized by me. Attached is a copy of my Identity Theft Report, filed with the *****************************, which serves as official evidence verifying the fraudulent nature of these inquiries.Pursuant to the Fair Credit Reporting Act 605B (15 U.S.C. 1681c-2), I am formally requesting that the credit reporting agency block and remove all inquiries resulting from identity theft within four business days of receiving this notice.The inquiries listed below are fraudulent, do not belong to me, and must be removed immediately.Customer Answer
Date: 06/19/2025
This complaint is being submitted directly by me, Ryne Wooley, to dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries and am a victim of identity theft, stemming from the exposure of my personal information in the Equifax Data Breach.
In accordance with 15 U.S. Code § 1681c–2, Equifax is legally obligated to block and remove any information resulting from identity theft. These fraudulent inquiries must be deleted without delay.
All supporting documentation is attached for your review and verification.Business Response
Date: 06/25/2025
Jun 25, 2025
Connie Brown
Better Business Bureau
Re: Ryne Wooley, Case #23481025
Dear Connie Brown,
Thank you for submitting Ryne Wooley’s complaint on 6/17/2025 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 6/20/2025.
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
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