Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am filing this complaint because XXXX/Equifax/XXXX  are reporting multiple inaccurate, false, and unverified items on my credit report that are violating my rights under the Fair Credit Reporting Act ( FCRA ). These accounts and inquiries are harming me financially and personally, and despite having no knowledge or involvement with several of them, the bureaus continue reporting them without verification. I am requesting immediate investigation and enforcement action. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment ( Reporting Incorrectly ) This account is reporting late payments that I never made. I have no history of being late on this account and I dispute this as inaccurate, unverifiable, and damaging. The information must be corrected or deleted immediately under FCRA 1681e ( b ). 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge Off ( Not Mine / No Knowledge ) This account is reporting a charge-off that I do not recognize, do not authorize, and have no knowledge of. The reporting is violating FCRA accuracy and verification requirements. I dispute this entire account and request deletion. 
XXXX XXXXXXXX  Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Issue : Collection ( Not My Account / No Contract / No Validation ) This collection is not mine. I never received any bill, notice, agreement, or validation. There is no written consent or original contract tied to my identity. This must be deleted immediately under FCRA and FDCPA standards. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I never applied for credit with this company and never authorized this hard inquiry. Please remove it as it violates FCRA permissible purpose. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I dispute this inquiry because I did not initiate or authorize this credit pull. Remove immediately. 
XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized Inquiry This inquiry was done without my permission or any application from me. It is harming my credit unfairly. Delete this entry. 
XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I did not authorize this inquiry nor did I apply for any credit. This violates FCRA permissible purpose. Remove immediately. 
XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I have no connection to this inquiry. I never authorized or applied for anything with XXXX XXXX. This must be removed. 
These inaccurate and unverified items are causing severe harm, blocking my financial opportunities, and violating FCRA 1681e ( b ), 1681i, and the permissible purpose requirements under 1681b. I am requesting the CFPB to take action and require the credit bureaus and furnishers to verify, correct, or delete these accounts and inquiries immediately. I am also requesting documentation, verification records, and a full compliance report from the bureaus. 
I certify that all information in this complaint is true and correct.

Company response to consumer: Closed with non-monetary relief