Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my credit report contains multiple inaccuracies that are damaging my credit profile, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). I have disputed these items with the credit bureaus but they have failed to properly investigate and correct the errors as required under FCRA 602, 609, 611, and 623. These inaccuracies are causing financial harm, denial of credit opportunities, and emotional distress, and I am seeking immediate reinvestigation and correction through the CFPBs oversight and enforcement. 

ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This address has nothing to do with me and never has at any point in my life. I have never signed a lease, never had utilities, never received mail, and never applied for credit using this location. Reporting this address misrepresents my identity and creates a misleading credit profile in violation of FCRA 607 ( b ). You are required to verify with original source documentation as outlined under FCRA 611 ( a ) ( 1 ) and delete immediately if you can not verify. The continued appearance of this wrong address after multiple disputes shows failure to conduct a reasonable reinvestigation. This error harms my creditworthiness, misleads lenders, and violates my right to accurate reporting. I am demanding permanent deletion of this unverifiable address. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | High Credit : {$10000.00} | XXXX XXXX XXXX XXXX  This account is being reported with late payments that I fully dispute as inaccurate. Under 15 U.S.C. 1681s-2 ( a ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. I have repeatedly requested verification of these alleged late payments, and no documentation has been provided that proves they are correct. Continuing to report this item without proper proof after multiple disputes violates my rights and fails the requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). I am demanding that all late payment notations be removed immediately or that you provide full documentation from the original creditor, including payment history and account records, proving the accuracy of the late payment reporting. 

XXXX XXXX XX/XX/XXXX This inquiry is appearing on my report without my authorization or consent. FCRA 604 clearly states that a consumer reporting agency may furnish a consumer report only for permissible purposes and with proper consent. I never applied for credit, insurance, or employment that would have authorized XXXX to access my credit file on this date. Continued reporting of this inquiry is a violation of FCRA 607 ( b ) requiring maximum possible accuracy. I have suffered harm because each unauthorized inquiry negatively affects my credit score, resulting in higher interest rates and denials for legitimate credit applications. This must be permanently removed to comply with federal law. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry does not have a permissible purpose under FCRA 604 ( a ) ( 3 ). I have no existing relationship with XXXX XXXX XXXXXXXX, nor did I provide written authorization for them to pull my credit report. The presence of this inquiry is a breach of my privacy rights and a failure to maintain accurate reporting under FCRA 607 ( b ). I have already disputed this item in previous rounds, and your continued reporting after notification constitutes negligent or willful noncompliance under FCRA 616 and 617. Immediate deletion is required to prevent further harm to my credit profile. 

XXXX XX/XX/XXXX This inquiry was not authorized by me and violates FCRA 604. I never applied for any credit or financial product with XXXX  on or near this date. Reporting such an inquiry damages my creditworthiness and creates a false impression of excessive credit-seeking behavior. FCRA 611 requires you to conduct a reasonable reinvestigation when notified of a dispute, and failure to delete this inquiry after multiple disputes shows a pattern of noncompliance. I demand this inquiry be deleted immediately and a corrected report issued to me. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is reported without permissible purpose. FCRA 604 and 607 ( b ) make it clear that only inquiries with a valid consumer-initiated application should appear on my credit file. I did not authorize XXXX XXXX XXXX to access my report on this date, and its presence continues to harm my credit score and misrepresent my credit behavior. Multiple disputes have been submitted with no action taken, which violates FCRA 611 ( a ) ( 1 ) ( A ) requiring you to correct or delete inaccurate information within 30 days. I am demanding deletion and a reinvestigation record be sent to me. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I have no account, loan, or application with XXXX XXXX XXXX that would justify this inquiry appearing on my credit report. This is an unauthorized access of my private credit data, in violation of FCRA 604 and 615. Your continued reporting after several disputes demonstrates a reckless disregard for my consumer rights. This unauthorized inquiry is lowering my credit score and limiting my ability to obtain fair credit. I am requesting immediate removal of this inquiry and an updated copy of my credit report reflecting this change. 

XXXX XX/XX/XXXX This inquiry was reported without my consent, violating FCRA 604. I have no relationship or pending application with XXXX  and never granted permission for them to access my credit report. Reporting such an inquiry falsely portrays me as overextending my credit-seeking activity, which damages my credit standing. Under FCRA 611 and 616, failure to correct this error after multiple disputes may result in legal action and recovery of damages. I demand you delete this inquiry and provide written confirmation of your reinvestigation results. 

XXXX XX/XX/XXXX This inquiry was not authorized by me and no permissible purpose exists under FCRA 604 to allow its appearance on my report. I never applied for any credit with XXXX on this date and I have no existing relationship with them that would justify this access. Each reinvestigation I have submitted has failed to produce any evidence with my signature or IP authorization confirming this pull was valid. Under FCRA 611 and 607 ( b ), you must delete any data that can not be verified beyond doubt. Keeping an unauthorized inquiry harms my creditworthiness and exposes you to liability for negligent noncompliance under FCRA 616. Please remove this inquiry immediately as continued reporting is unlawful and damaging. 

XXXX XXXX XXXX XX/XX/XXXX This hard inquiry is reported without my consent and does not meet the permissible purpose requirement under FCRA 604. No application or credit transaction was initiated by me with XXXX XXXX XXXX on this date, nor did I grant written authorization for a credit pull. I have already disputed this previously, yet no documentation has been provided showing proof of authorization. FCRA 611 ( a ) mandates that any unverifiable item must be deleted from the file. The presence of this inquiry is negatively impacting my score and causing harm. Failure to remove it after repeated disputes will be considered willful noncompliance under FCRA 616 and 617. 

XXXX XX/XX/XXXX This inquiry was posted without my knowledge or consent and must be removed. There is no record of me applying for credit with XXXX, and no permissible purpose exists under FCRA 604 for them to access my report. You have a duty under FCRA 607 ( b ) to ensure maximum possible accuracy and to prevent any data that can not be verified from being published. Previous disputes have not resulted in a proper verification, meaning the item remains legally unverified. This is a direct violation of my consumer rights and must be corrected immediately to avoid further harm and potential legal escalation. 

XXXX XXXX XX/XX/XXXX I did not authorize this inquiry and no credit application was submitted to XXXX XXXX. Under FCRA 604 ( a ) ( 2 ), a hard inquiry requires consumer permission or a legitimate credit transaction, neither of which occurred. Reinvestigation must include actual evidence of authorization, which has not been produced in prior rounds. Continuing to report this inquiry violates FCRA 611 and exposes you to liability for negligent reporting. I demand this item be deleted immediately to prevent further damage to my credit file. 

XXXX XXXX XXXX  XX/XX/XXXX This inquiry is inaccurate and unverified. I have no existing account, membership, or credit request with XXXX XXXX XXXXXXXX that would justify this hard pull under FCRA 604. You are required under FCRA 611 ( a ) to delete unverifiable information. The failure to produce any documentation linking me to this inquiry after several disputes shows it is not legally reportable. You are also responsible under FCRA 607 ( b ) to maintain accurate data. The presence of this item is misleading, and its continued reporting is unlawful. 

XXXX XX/XX/XXXX This hard inquiry was not authorized by me and can not be verified. There is no record of a credit transaction or application with XXXX. Under FCRA 604, permissible purpose must be clearly documented, and none has been provided despite multiple disputes. This constitutes a breach of your duty to ensure maximum possible accuracy under FCRA 607 ( b ). Each day this item remains on my report causes ongoing harm, reduces my credit score, and interferes with my ability to obtain credit. Immediate deletion is required under FCRA 611 ( a ).

I respectfully request that the CFPB enforce compliance with the FCRA and hold the credit bureaus and furnishers accountable for their failure to maintain accurate information, properly reinvestigate disputes, and protect my privacy. I want all inaccurate addresses, inquiries, and unverifiable late payments removed from my credit report to restore my credit profile and prevent further harm.

Company response to consumer: Closed with explanation