Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Consumer Protection regulations. Equifax has continuously failed to uphold their legal responsibility to maintain maximum possible accuracy under 15 U.S. Code 1681e ( b ), failed to conduct proper investigations under 1681i ( a ), and caused repeated damage to my creditworthiness, emotional distress, and financial harm by reporting inaccurate, outdated, and unverifiable data. Below are the detailed violations : XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : This account reflects a late payment even though the balance is {$0.00} and the account is no longer open or active. According to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report inaccurate information. Reporting a late payment with a {$0.00} balance is misleading and harmful. I demand immediate removal or correction with proper investigation as per 1681i. 
XXXX Inquiry Date : XX/XX/XXXX Issue : I never authorized this inquiry and was not informed of any permissible purpose under 15 USC 1681b. This is a clear violation of my rights and constitutes an unauthorized hard pull damaging my score. I demand a copy of the permissible purpose and third-party authorization under 1681b ( a ) ( 3 ). 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : No credit application was submitted to XXXX XXXX. This inquiry is unauthorized and must be removed. Equifax failed to validate this inquiry with my written consent, violating 1681b ( c ) ( 1 ). 
XXXX Inquiry Date : XX/XX/XXXX Issue : This unauthorized inquiry has appeared without a valid application, no permissible purpose was established, and no proof was provided when disputed previously. Under 1681b ( f ), obtaining a consumer report under false pretenses is illegal and punishable. 
XXXX XXXX Date : XX/XX/XXXX Issue : I did not authorize or initiate any transaction with this entity. The inquiry was listed without my consent, constituting a violation of FCRA 1681b and the Gramm-Leach-Bliley Act regarding consumer consent. 
XXXX Inquiry Date : XX/XX/XXXX Issue : This inquiry is unauthorized, inaccurate, and there was no business relationship with this entity. This violates FCRA 1681b ( a ) ( 2 ). This also caused me credit score drops, constituting damage under civil liability 1681n. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : No credit was applied for or granted. This entry was added unlawfully, violating my consumer rights. Equifax failed to perform reasonable procedures to ensure inquiries are authorized, violating 1681e ( b ). 
XXXX Inquiry Date : XX/XX/XXXX Issue : I have never engaged with this auto dealership or their financing services. This inquiry was unauthorized and Equifax failed to verify the authenticity of the pull. Per 1681b ( a ) ( 3 ) ( A ), this violates the requirement for a valid credit transaction. 
XXXX Inquiry Date : XX/XX/XXXX Issue : Duplicate inquiry posted in 2 days without any consent, making it appear as if I applied for multiple credit lines. This is misleading, unauthorized, and a direct violation of 1681b and 1681s-2 ( b ) due to repeated failure to investigate the same dispute.

Incorrect Address Reporting Ongoing Pattern of Negligence Issue : My credit report includes multiple addresses that I have never lived at, which I have repeatedly disputed with no resolution. Including inaccurate personal identifiers violates 1681e ( b ) as it increases the risk of mixed file errors and identity theft. These addresses continue to appear despite prior disputes and documentation. This violates my right under 1681i ( a ) to a reinvestigation within 30 days and proper correction.

Equifaxs ongoing failure to maintain accurate records, refusal to delete unverifiable information, and unauthorized credit pulls have caused emotional distress, denial of credit, and damage to my financial reputation. I am requesting CFPBs urgent intervention to enforce compliance, compel Equifax to remove all unauthorized inquiries, incorrect late payment reporting, inaccurate addresses, and provide written proof of reinvestigation as required by 1681i ( a ) ( 6 ) ( B ) ( iii ). I also request a full audit trail of when these inquiries were added, who requested them, and under what legal basis. I am prepared to pursue further legal action and damages as permitted under 1681n and 1681o if this matter is not resolved.

Company response to consumer: Closed with non-monetary relief