Consumer complaint received 2025-10-08 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: ME

Complaint narrative:
To Whom It May Concern, This is a formal complaint filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Fair Debt Collection Practices Act ( FDCPA ) regarding false reporting of late payments and multiple unauthorized inquiries that have appeared on my credit report. These violations have caused significant harm to my credit profile, financial standing, and mental well-being. I am requesting a full reinvestigation, correction, and deletion of all inaccurate and unverified information immediately. 
Wrong Addresses Reported XXXX XXXX XXXX XXXX XXXX, NC XXXX This address is not now nor has ever been associated with me in any form. I have never lived, worked, or conducted any business at this location. Reporting such an address is a violation of FCRA 605B which mandates accurate and verifiable personal information. 

These false addresses make it appear as though I have lived in multiple unrelated states, creating confusion, increasing risk of identity theft, and misleading creditors reviewing my file. I am demanding the immediate deletion of these addresses from my credit report as they are factually incorrect and not supported by any verifiable documentation. 

Inaccurate Account Reporting : XXXX XXXX XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment This account has been falsely reported as having late payments. I have always paid my obligations on time and can provide statements proving that. This false reporting damages my credit score and my reputation as a responsible borrower. Under FCRA 611 ( a ), I am requesting a full reinvestigation and correction of this entry to accurately reflect never late. 
XXXX XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment This is a new account and has never been delinquent. It is impossible that such an account, opened recently, could have valid late payments without due process or proper notification. Reporting such false data demonstrates negligence and a violation of FCRA 607 ( b ) for failing to ensure maximum accuracy. I request immediate correction and an official reinvestigation confirming that I have no late payments on record for this account. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$3900.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment This account is being reported as having late payments, which is completely false. I have never been late with any payments under this account. This reporting directly violates FCRA 607 ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. I demand that this false late payment entry be immediately corrected to reflect an accurate payment history showing never late. 
XXXX XXXX XXXX High Balance : {$13000.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment This account has been incorrectly reported with a late payment notation. I have always maintained timely payments and can provide documentation if necessary. Reporting inaccurate payment data is a breach of FCRA 611 ( a ), which obligates furnishers and credit bureaus to reinvestigate disputed information within 30 days. I request that this entry be corrected immediately to remove all false late payment remarks and reflect paid as agreed. 

Unauthorized or Unverified Hard Inquiries : XXXX XX/XX/XXXX Unauthorized inquiry. I never gave XXXX authorization to access my credit report. This constitutes a violation of my privacy and FCRA 604. I demand deletion of this inquiry. 
XXXX XX/XX/XXXX Another unverified inquiry that appears connected to the prior unauthorized entry. I request deletion as required under FCRA 611 ( a ) for disputed information. 
XXXX XX/XX/XXXX These are duplicate, unauthorized inquiries from XXXX XXXX No credit application or relationship exists between me and this company. I am demanding immediate deletion of both entries. 
Summary of Damages and Legal Violations : These inaccurate and unauthorized entries demonstrate negligence and noncompliance with the FCRA and FDCPA. The false late payment reports and unauthorized hard inquiries have severely impacted my credit score, leading to loss of financial opportunities, emotional stress, and reputational damage. Credit bureaus and furnishers are legally obligated to ensure accuracy and verify any reported data before inclusion. Failure to do so constitutes a violation of FCRA 604, 607 ( b ), and 611 ( a ).

Under FCRA 616, I reserve the right to pursue civil action for any willful or negligent failure to comply with the law. If these issues are not resolved within 30 days as required by federal law, I will escalate this matter through formal legal channels and file additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Requested Actions : 1. Immediate correction of all false late payment entries to reflect never late.

2. Immediate deletion of all unauthorized inquiries listed above.

3. Written confirmation of completion of reinvestigation within 30 days.

Company response to consumer: Closed with non-monetary relief