Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau to report multiple inaccuracies on my credit report that are severely affecting my credit standing. These include incorrect addresses, inaccurate account information, and unauthorized hard inquiries. I have previously disputed these errors with the credit reporting agencies, but they have failed to perform a reasonable investigation or correct the disputed items, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate and take appropriate enforcement action against the furnishers and credit bureaus involved for failing to comply with their legal obligations under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Late Payment * * Law Issue : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ), consumers have the right to dispute inaccurate or incomplete information, and the credit reporting agency is required to conduct a reasonable reinvestigation. Additionally, 15 U.S. Code 1681s-2 prohibits furnishers from reporting inaccurate information. 
Story : I am disputing the reporting of a late payment on this account. I have reviewed my records, and there is no evidence that supports this late payment. If the furnisher can not validate this with proper documentation such as billing history and payment ledgers, the information must be removed from my credit report. Reporting unverifiable or inaccurate derogatory information violates FCRA standards and is causing harm to my credit profile. 

XXXX XX/XX/XXXX Inquiry Law Issue : Under FCRA 15 U.S. Code 1681b ( c ), a consumer reporting agency may only furnish a consumer report for specific permissible purposes such as credit approval initiated by the consumer. If I did not authorize or initiate the transaction, then the inquiry is considered unauthorized. 
Story : I did not authorize this company to access my credit report on the stated date. I demand that this unauthorized inquiry be removed immediately as it violates the permissible purpose guidelines of the FCRA. 

XXXX XX/XX/XXXX Inquiry Law Issue : As per FCRA Section 604, any hard inquiry must have been initiated or authorized by the consumer. 
Story : I did not apply for any credit or authorize this party to pull my report on that date. This duplicate or unauthorized inquiry is negatively impacting my credit and must be removed with immediate effect. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : According to FCRA 604 ( a ) ( 3 ), credit report access must be tied to a transaction initiated by the consumer. Unauthorized inquiries are a breach of privacy and credit rights. 
Story : I did not give consent for XXXX XXXX XXXX to pull my credit report. I am requesting that this hard inquiry be investigated and permanently removed if the reporting party can not show permissible purpose and verifiable consumer authorization. 

Due to the continued reporting of inaccurate and unverifiable information on my credit file, I am requesting that the CFPB intervene and hold the credit reporting agencies and data furnishers accountable. I am seeking full deletion or correction of the disputed items listed above, along with written confirmation of all actions taken. I appreciate the CFPB 's role in protecting consumer rights and request your immediate assistance in resolving these violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief