Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccurate and harmful items being reported on my credit file by one or more of the consumer reporting agencies ( Experian, Equifax, and TransUnion ). I am requesting immediate investigation and correction pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, which mandates accurate, fair, and substantiated information in all consumer credit reports. 
XXXX. Wrong and Unauthorized Addresses Reported The following addresses are incorrect and never associated with me, yet they are appearing on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are either results of merged profiles, identity confusion, or unauthorized use of my identity. I demand these addresses be deleted immediately under FCRA 1681e ( b ) for failure to maintain accurate and complete files. 
XXXX. Disputed Accounts with Inaccurate Late PaymentXXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$190000.00} Issue : Repeated late payments are being reported inaccurately. 
This mortgage account is not currently delinquent. Several reported late payments are either outdated, inaccurate, or unverified. 
Under FCRA 1681i, the furnisher and credit bureau must conduct a reasonable reinvestigation and provide documented proof of each derogatory mark. If no proof is provided, the account must be corrected or deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$5500.00} Issue : Late payments showing with no supporting billing records. 
I have requested validation multiple times. Under FCRA 1681s-2 ( a ), a data furnisher is prohibited from reporting information they know or have reasonable cause to believe is inaccurate. This entry violates both that and my consumer rights under 1681e ( b ).

3. Hard Inquiries Unauthorized and Unverified The following hard inquiries have no permissible purpose under FCRA 1681b. I did not authorize or initiate any of these applications : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries are damaging my credit and were pulled without my knowledge or authorization. According to FCRA 604 ( 15 U.S. Code 1681b ), inquiries must have a legitimate purpose and must be authorized by the consumer. I demand deletion of these inquiries and a full investigation into how my credit file was accessed.

Supporting Legal References : FCRA 1681e ( b ) Accuracy and integrity of reported information FCRA 1681i Reinvestigation of disputed information FCRA 1681s-2 ( a ) Duties of data furnishers regarding accuracy FCRA 1681b Permissible purposes of consumer reports FCRA 1681c Time limits for negative reporting ( if applicable ) Summary of My Request : I am formally requesting the CFPB to : 1. Investigate and remove the two unauthorized addresses listed above. 
XXXX. Conduct a full reinvestigation into the late payments reported by FREEDOM MORTGAGE and XXXX XXXX XXXX, and delete them if they can not be verified with documentary evidence. 
XXXX. Permanently delete the four unauthorized hard inquiries as they were not initiated by me.

4. Ensure that the credit bureaus comply with all applicable FCRA obligations during the reinvestigation.

I have already submitted direct disputes to the credit bureaus, and as of this filing, my FTC Identity Theft Report has not been submitted yet, but my CFPB complaint remains open. I am now escalating this formally due to the emotional distress, credit score damage, and financial harm caused by these inaccuracies. 
Please take urgent action on my complaint. Thank you for your time and attention.

Company response to consumer: Closed with explanation