Consumer complaint received 2025-08-23 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

ACCOUNT XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Late Payment Law : FCRA 602A, 607 ( b ), 611, and FACTA require that information reported must be fair, accurate, and verifiable ; reporting unverifiable late payments is a violation of these protections Issue : This account is reporting late payments that are inaccurate and can not be verified with original payment history records Story : I have maintained my responsibility with this creditor and no legitimate documents proving a delinquency have been provided. The continued reporting of late payments is damaging my credit score, affecting my ability to obtain housing, credit, and fair interest rates Instruction : Reinvestigate this account with the original creditor, provide full payment records if they exist, and if no verifiable evidence is available, permanently remove the late payment history from my file INQUIRY XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) requires consumer consent for hard inquiries ; reporting inquiries without permissible purpose violates this law Issue : This inquiry was not authorized by me and was conducted without permissible purpose Story : I never gave written or electronic consent for this inquiry. Unverified hard inquiries lower my score and suggest fraudulent activity, which negatively impacts my creditworthiness Instruction : Remove this unauthorized inquiry immediately as it can not be verified with any signed or valid consent documentation INQUIRY XXXX  XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Duplicate and unauthorized inquiry Story : This inquiry is a duplicate of the prior XXXX  XXXX inquiry on the same date. I did not authorize multiple inquiries, and reporting them damages my score unfairly Instruction : Remove this duplicate and unauthorized inquiry as unverifiable under FCRA INQUIRY XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Unauthorized inquiry without consumer consent Story : I never authorized this inquiry, and no permissible purpose can be proven. This is damaging my credit report and is a violation of my rights under FCRA Instruction : Permanently delete this inquiry from my file immediately I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

Company response to consumer: Closed with non-monetary relief