Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint regarding Equifax 's failure to accurately report my credit information in compliance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX and related regulations. Equifax has allowed the reporting of multiple inaccurate addresses, derogatory account information, and unauthorized or unexplained hard inquiries, all of which are severely damaging my credit profile and causing me undue harm XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address This address is incorrectly reported on my credit report and I have never lived at or been associated with this location. Reporting this incorrect address violates FCRA XXXX ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI Wrong Address This address is also inaccurately listed on my credit report. I have never resided at this location nor do I have any known connection to it. Equifaxs failure to properly investigate and verify address accuracy breaches FCRA XXXX ( XXXX ) and XXXX ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address This address has been incorrectly linked to my credit file and is not mine. This inclusion misrepresents my personal identifying information and violates my rights under FCRA XXXX ( a ), which restricts permissible purpose of data sharing and reporting XXXX  XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$480.00} Late Payment This account is reporting late payment ( XXXX ) inaccurately. I request documentation validating the dates and delinquency status as required by FCRA XXXX ( a ). If Equifax can not provide such verification from the furnisher, it must remove or correct the item per XXXX ( b ). Continued reporting of unverifiable negative information also violates XXXX ( b ) on the part of the data furnisher XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account shows derogatory late payment ( XXXX ) even though the balance is {$0.00} and the account has been closed. This is inaccurate and misleading and violates FCRA XXXX ( b ) for failing to ensure accuracy. If Equifax does not have current, verified documentation from the furnisher to support this delinquency, it must be deleted. This account continues to damage my creditworthiness unfairly and unlawfully XXXX XXXX XXXX XX/XX/XXXX Inquiries This inquiry appears without my knowledge, consent, or a permissible purpose. I did not authorize XXXX XXXX XXXX XXXX to perform a hard inquiry into my credit file. Under FCRA XXXX ( c ) and XXXX ( f ), a hard inquiry must be initiated by the consumer or with express consent. This violates my consumer rights and was done without a legitimate business need XXXX XXXXXX/XX/XXXX Inquiries This inquiry is unauthorized and unknown to me. I never applied for any service from XXXX XXXX on this date or at any other time. This hard inquiry damages my credit score and its presence violates FCRA XXXX as it was performed without permissible purpose and without my prior consent XXXX XXXXXX/XX/XXXX Inquiries This inquiry appears to have been made without my authorization. I was not notified nor did I consent to a credit pull by XXXX XXXX. This unauthorized access is a direct breach of FCRA XXXX and the inquiry must be removed immediately XXXX XX/XX/XXXX Inquiries This is another hard inquiry I did not authorize or initiate. XXXX XXXX XXXX XXXX ( XXXX ) accessed my credit report without proper legal basis or consumer consent, violating FCRA XXXX ( f ) ( XXXX ). Equifax is obligated to remove unauthorized inquiries once challenged XXXX XX/XX/XXXX Inquiries I am again seeing an unauthorized hard inquiry by XXXX, with no application, request, or interaction from me on or around this date. This repeated violation of my consumer privacy and credit file access demonstrates Equifax 's failure to protect consumer data as mandated by FCRA XXXX ( a ) XXXX  XX/XX/XXXX Inquiries This inquiry was not authorized by me and appears to have no valid business purpose under FCRA XXXX. Equifax allowed a third party to access my credit file without my permission or any application from me. This is unacceptable and must be addressed XXXX XX/XX/XXXX Inquiries I did not give consent to XXXX XXXX XXXX XXXX dealership to run my credit on this date or any other. This hard pull is a violation of my rights under FCRA XXXX, and its inclusion in my report constitutes negligent handling of my personal credit information Equifaxs continued reporting of wrong addresses, unverifiable derogatory accounts, and unauthorized hard inquiries is irresponsible and legally non-compliant. These errors are affecting my ability to secure fair credit, employment, housing, and more. I have tried disputing several of these items with Equifax directly, yet they remain unresolved. I now turn to the CFPB for urgent intervention and corrective action I am requesting the CFPB to instruct Equifax to delete all inaccurate addresses, verify and delete the disputed late payments, and permanently remove all unauthorized hard inquiries that occurred without my consent or permissible purpose per the FCRA I am also requesting an explanation from Equifax about how these items were verified and who provided the information I respectfully request the CFPB to investigate these matters in full and ensure that Equifax is held accountable for their failures to comply with federal law and for the damages they have caused to me

Company response to consumer: Closed with non-monetary relief