Consumer complaint received 2025-06-24 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: PA

Complaint narrative:
I am filing this formal complaint against Equifax due to their continued failure to properly investigate and correct inaccurate, incomplete, and unverifiable information on my credit report despite multiple attempts to have these errors corrected. These inaccuracies have significantly impacted my ability to secure credit, fair interest rates, housing, and employment opportunities. 
The following accounts are being reported inaccurately or illegally on my Equifax credit report. I am providing the account details along with specific issues and applicable laws that have been violated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX XXXXXX/XX/XXXX Credit Limit : {$300.00} Issue : Late Payments are being reported inaccurately.

Violation : 15 U.S.C. 1681s-2 ( a ) Furnishers of information have a duty to report accurate information.

15 U.S.C. 1681e ( b ) CRA must ensure maximum possible accuracy.

Summary : This account is reporting multiple late payments which I strongly dispute as inaccurate and unverified. I have never been served any notices that would justify these derogatory remarks. I requested verification, but Equifax failed to conduct a proper reinvestigation as required by FCRA. This is causing unjustified harm to my creditworthiness. 
XXXX. XXXX Inquiry Date : XX/XX/XXXX Issue : Hard Inquiry Without Authorization Violation : 15 U.S.C. 1681b ( c ) Permissible purpose required for inquiries.

15 U.S.C. 1681b ( f ) Obtaining credit report without permissible purpose is a violation.

Summary : This inquiry appears on my credit report without my consent or any permissible purpose. I never applied for credit or services with XXXX XXXX XXXX XXXX on or around the reported date. This is a direct violation of FCRA and an invasion of privacy. Equifax failed to investigate and remove this inquiry when requested. 
ADDITIONAL FACTORS : In addition to the above accounts, Equifax is also reporting inaccurate personal information, including addresses that do not belong to me and aliases I have never used. These errors indicate systemic negligence and a failure to maintain accurate files as required by federal law.

LAWS VIOLATED : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

o 1681e ( b ) : Failure to ensure maximum possible accuracy o 1681i : Failure to conduct reasonable investigation upon dispute o 1681b : Improper access and inquiries without permissible purpose o 1681s-2 ( a ) : Furnis
her obligations to report accurately 2. Fair Debt Collection Practices Act ( FDCPA ) If any of the accounts are from third-party collectors misreporting or attempting to collect without validation.

RESOLUTION REQUESTED : Immediate deletion of inaccurate negative information from all listed accounts. 
Permanent removal of any unauthorized hard inquiries. 
Correction of personal identifying information. 
A full copy of the results of the reinvestigation. 
Civil penalties as permitted under FCRA and applicable laws. 
DECLARATION : I affirm that the information above is true to the best of my knowledge and I request that the CFPB take prompt and appropriate enforcement actions against Equifax for these violations.

Company response to consumer: Closed with non-monetary relief