Consumer complaint received 2025-08-07 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:
Dear CFPB, I am submitting this complaint due to multiple severe inaccuracies and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other federal protections. The information below outlines unauthorized hard inquiries, wrong address reporting, and multiple late payments and duplications from DEPT OF EDUCATION/XXXX, as well as repeated identity confusion which has caused ongoing financial harm and credit damage. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX WRONG ADDRESS This address is completely unknown to me and was never associated with me at any point in time. I never lived, worked, or received any correspondence at this location. Reporting inaccurate address information violates the FCRA Section XXXX ( 15 U.S.C. XXXXg ) and Section XXXX ( a ), which emphasizes the need for maximum possible accuracy. The inclusion of this false address suggests either a serious data error or potential identity confusion. The presence of this address may also suggest my personal data has been compromised. I am demanding its immediate deletion from my credit report. 
XXXX XXXX XX/XX/year> INQUIRY I never applied for credit with XXXX XXXX on this date. This inquiry was made without my knowledge, authorization, or written consent. Under FCRA Section XXXX ( a ) ( XXXX ), only inquiries made with permissible purpose are legal. This inquiry was unauthorized and is a violation of my consumer rights. It must be removed immediately. 
XXXX XXXXXX/XX/year> INQUIRY This is an unauthorized inquiry. I did not initiate any credit transaction with XXXX on the listed date. Pulling my credit without consent is a breach of FCRA XXXX ( a ) ( XXXX ) and affects my credit score unfairly. I have no business relationship with this entity. Remove immediately. 
XXXX XX/XX/year> INQUIRY This inquiry is unauthorized and fraudulent. I never gave permission to XXXX to access my credit. Under the FCRA, any inquiry without my consent is a direct violation of federal law. This needs to be removed from my file as soon as possible. 
XXXX XXXXXX/XX/year> INQUIRY No application was made by me to XXXX XXXX XXXX on this date. This may be a result of data confusion or identity compromise. I never authorized this inquiry. Under FCRA Section XXXX, this inquiry is invalid and should be deleted from my report. 
XXXX XXXX NA XX/XX/year> INQUIRY Unauthorized inquiry. I never gave this bank permission to access my credit file. This is a violation of my privacy and negatively affects my creditworthiness. Remove this immediately under FCRA violation. 
XXXX XX/XX/year> INQUIRY I have no known business with XXXX and never initiated any loan or financial request. This inquiry was not approved by me and must be removed under FCRA Section XXXX. 
XXXX XX/XX/year> INQUIRY This was not authorized or requested by me. It may have resulted from a clerical mistake or false application in my name. Violation of law, must be removed. 
XXXX XXXX XX/XX/year> INQUIRY Duplicate inquiry by same institution within short span. This is questionable and unauthorized. Violation of FCRA Section XXXX. Requesting permanent deletion. 
XXXX XX/XX/year> INQUIRY Unrecognized inquiry and unauthorized. No loan or service was requested. Delete immediately. 
XXXX XX/XX/year> INQUIRY Unauthorized inquiry. I had no dealings with XXXX. This item negatively impacts my report without cause or consent. 
XXXX XX/XX/year> INQUIRY Completely unfamiliar organization. This inquiry is likely a result of an error or misuse of my information. Must be removed. 
Requested Resolution : XXXX. Immediate removal of the incorrect address from my credit file XXXX. Deletion or correction of all DEPT OF EDUCATION/XXXX entries to reflect accurate balances, eliminate duplicate accounts, and remove invalid late payments reported during deferment XXXX. Deletion of all unauthorized and illegitimate hard inquiries made without consent or permissible purpose XXXX. Reinvestigation of my credit file under FCRA guidelines with full documentation of results I am attaching my ID, proof of current address, and any supporting documentation that confirms my claims. I respectfully request the CFPBs urgent involvement in this matter, as the damage done to my credit is ongoing and serious.

Company response to consumer: Closed with non-monetary relief