Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau under the authority of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to report multiple violations committed by credit reporting agencies and furnishers of information. My credit report contains several false addresses, inaccurate account statuses, unauthorized inquiries, and unverified collection accounts that have severely impacted my creditworthiness and financial stability. 
DPT EDXXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Late Payment This account is being falsely reported as having late payments. I have never made any late payments on this account. The reporting agency or furnisher has clearly made an error or failed to maintain accurate records. Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting inaccurate information. I demand the removal of all late payment notations and correction of this accounts payment history to reflect Paid as Agreed or Current. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX XXXXXXXX has reported this account inaccurately with late payments even though there is no outstanding balance and I have no history of delinquency. This reporting damages my creditworthiness. According to FCRA 602 ( A ), consumer reports must be fair and accurate. I request that all late payment remarks be deleted and the account status corrected to Never Late. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late Payment This account has been fully paid off, and there were no missed or late payments. The late payment notation is false and misleading. Please verify this information with XXXX XXXX XXXX. If it can not be fully verified with proper documentation, you are required under FCRA 611 ( a ) ( 5 ) to delete or correct this information immediately. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$470.00} Collection I have no knowledge or record of these accounts, and I have never entered into any agreement or received notice of debt from this company. Under FCRA 609 ( a ) and FDCPA 809 ( b ), I am entitled to full validation of these alleged debts. Unless proper documentation ( including signed agreements and complete payment history ) is provided, these accounts must be immediately deleted from my report. 
Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  I have no prior relationship or authorization for these inquiries. Under FCRA 604 ( a ) ( 2 ), credit reporting agencies may only release a consumer report when permissible purpose exists. These inquiries were unauthorized and unlawful, and they must be immediately removed from my credit file to prevent further damage to my score. 
SUMMARY OF VIOLATIONS : 1. Violation of FCRA 607 ( b ) Failure to ensure maximum accuracy of reported data.

2. Violation of FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

3. Violation of FCRA 611 ( a ) ( 1 ) Failure to conduct proper reinvestigation upon dispute.

4. Violation of FCRA 604 ( a ) ( 2 ) Unauthorized inquiries without permissible purpose.

5. Violation of FDCPA 807 ( 8 ) False representation of debt information. 
Requested Action by the CFPB : I respectfully request the Consumer Financial Protection Bureau to : Conduct a full investigation into the reporting practices of the above furnishers and credit bureaus. 
Compel them to remove or correct all inaccurate addresses, false late payment notations, and unverifiable collection accounts. 
Require deletion of all unauthorized hard inquiries listed above. 
Ensure that future reporting complies strictly with federal law and that I receive written confirmation once these items have been resolved. 
I am requesting the CFPBs assistance in enforcing my rights under the FCRA and FDCPA as the repeated misreporting and lack of verification have caused me significant harm. I am attaching copies of my ID, recent proof of address, and credit report excerpts highlighting the disputed items. 
Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief