Consumer complaint received 2025-09-08 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: MS

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint because my credit report contains multiple inaccurate, unverifiable, and unauthorized items that are damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 602 and 607, credit reporting agencies and furnishers must ensure maximum accuracy of the information they report. Under FCRA 611, I have the right to dispute information that is inaccurate or unverifiable, and under FCRA 623, furnishers must investigate and correct or delete any disputed information that can not be verified. The presence of wrong addresses, charge-offs with {$0.00} balances, unauthorized hard inquiries, and a bankruptcy that is inaccurately reported all create a misleading profile and violate federal law. I am requesting immediate investigation, correction, and deletion of the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Wrong Address Law FCRA 607 ( b ) applies Issue Unverified address Story This address does not belong to me and is not associated with my credit profile. Reporting it misrepresents my identity and violates the FCRAs accuracy requirements. The bureau has a duty to maintain only correct information. I demand that this false address be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance XXXX Charge Off Law FCRA 623 and 611 apply Issue Unverified charge-off Story This account is showing a charge-off status with no proof or supporting documentation. I never received any valid notice of default or records proving delinquency. Reporting unverifiable charge-offs is inaccurate and violates the FCRA. I request immediate deletion of this item unless full validation is provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Charge Off Law FCRA 623 and 611 apply Issue Inaccurate charge-off Story TD XXXX XXXX is reporting this account as charged off without any documentation showing delinquency. No creditor notice or proof has been presented. This inaccurate negative item harms my credit and must be corrected or removed under the FCRA XXXX XXXX XXXX * * * * Date Opened XX/XX/XXXX Balance XXXX Charge Off Law FCRA 623 and 611 apply Issue Unverified charge-off Story This account continues to show a charge-off despite the fact that no records or notices have been provided. Reporting unverifiable derogatory data violates my consumer rights under the FCRA. I demand deletion unless full verification is produced XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Charge Off Law FCRA 623 and 611 apply Issue Inaccurate charge-off Story XXXX XXXX XXXX  XXXX is reporting this account as a charge-off without verifiable proof. This type of unverifiable reporting is harmful and unlawful under the FCRA. The account must be deleted if it can not be fully substantiated XXXX Inquiry Date XX/XX/XXXX Law FCRA 604 applies Issue Unauthorized inquiry Story XXXX XXXX pulled my report without my consent or knowledge. This is a violation of the FCRA. Delete immediately AN # XXXX Inquiry Date XX/XX/XXXX Law FCRA XXXX applies Issue Unauthorized inquiry Story XXXX  # XXXX accessed my credit report without authorization. This impermissible inquiry must be deleted XXXX Inquiry Date XX/XX/XXXX Law FCRA 604 applies Issue Unauthorized inquiry Story AutoNation pulled my credit file without consent. This unauthorized inquiry must be removed XXXX  Inquiry Date XX/XX/XXXX Law FCRA 604 applies Issue Unauthorized inquiry Story XXXX XXXX accessed my credit file without authorization. This violates the FCRA. Remove this inquiry immediately XXXX  Inquiry Date XX/XX/XXXX Law FCRA 604 applies Issue Unauthorized inquiry XXXX XXXX XXXX accessed my credit report without permissible purpose. This inquiry must be deleted XXXX Inquiry Date XX/XX/XXXX Law FCRA 604 applies Issue Unauthorized inquiry Story XXXX XXXX performed another unauthorized pull. This repeat violation harms my credit and must be deleted immediately XXXX XXXX  Inquiry Date XX/XX/XXXX Law FCRA 604 applies Issue Unauthorized inquiry Story XXXX XXXX accessed my credit file without consent. This unauthorized inquiry must be deleted Chapter XXXX Bankruptcy XXXX Court U.S. Bankruptcy Court Bankruptcy Law FCRA 607 ( b ) and 611 apply Issue Unverified bankruptcy Story This bankruptcy record is listed on my credit file without supporting court documentation. The bureau has not provided proof linking me to this filing. Reporting unverifiable public records violates the FCRA. I demand deletion of this bankruptcy entry immediately I request CFPB intervention to ensure that all these items are properly reinvestigated and corrected. If the furnishers or credit bureaus can not provide verified documentation supporting these accounts, inquiries, addresses, or public records, they must be permanently deleted from my credit report as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief