Consumer complaint received 2025-09-22 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: MI

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my credit report is showing inaccurate, incomplete, and misleading information that is harming my credit profile, violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. I have tried to resolve this matter directly with the credit bureaus and furnishers but my previous disputes have not been handled properly, and they have failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i. The continued reporting of these accounts and inaccurate information is causing me emotional distress, financial harm, and denial of credit opportunities, and I am requesting CFPBs intervention to have these accounts investigated and corrected or permanently deleted from my credit report. 

XXXX XXXX XXXX XXXX, MI Address This address is not mine and should not appear anywhere in my file. It is your responsibility to ensure accuracy under FCRA 602 and delete unverifiable data. Keeping this false address creates confusion and lowers the integrity of my consumer file. I demand that you contact the furnisher to confirm any residency link and if none can be produced, remove it completely to comply with federal law. 

Inquiry XXXX XX/XX/year> FCRA 604 ( a ) ( 3 ) Unauthorized inquiry, consumer did not provide consent. 
I did not authorize or apply for any loan, credit, or financial product with XXXX on this date. This inquiry appears on my credit report without my knowledge or consent, negatively affecting my creditworthiness. I have not signed any documentation nor verbally authorized this inquiry. Verification was never properly conducted by the bureau, which is required by FCRA. I request immediate proof of authorization. I demand the inquiry be removed if verification fails. This unauthorized inquiry has impacted my credit score and financial reputation. The presence of this inquiry is inaccurate and misleading. I expect the bureau to conduct a full reinvestigation and provide documentation. I reserve the right to pursue further legal action if not resolved. 

XXXX XXXX XXXX XX/XX/year> FCRA 604 ( a ) ( 3 ) Unauthorized inquiry, no permissible purpose. 
I did not initiate or authorize any application with XXXX XXXX on this date. This inquiry is unauthorized and recorded without my consent. I did not request a loan, credit card, or any financial product. The inquiry negatively impacts my credit report. FCRA requires the bureau to verify any such inquiries. I demand proof of verification or immediate deletion. No documentation or consent exists from my side. I am requesting that the inquiry be removed immediately if verification can not be provided. The inquiry is inaccurate and violates my rights under FCRA. My financial record is being negatively affected. Proper reinvestigation and corrective action must occur. 

XXXX XXXXXX/XX/year> FCRA XXXX ( a ) ( 3 ) Unauthorized pull, no written or verbal permission. 
This inquiry was added to my credit report without my knowledge or authorization. I did not request any loan, pre-approval, or financial transaction. FCRA requires that any disputed inquiry be verified, and unverifiable inquiries must be deleted. I demand that XXXX provide verification documentation, or that the inquiry be removed. Internal checks show no evidence of authorization. This inquiry is unauthorized and unverifiable. It negatively affects my credit history. I expect the bureau to conduct a proper reinvestigation. The inquiry violates my consumer rights. Legal action may be pursued if the matter is not corrected. 

XXXX XXXX XXXX XX/XX/year> FCRA 604 ( a ) ( 3 ) Inquiry done without consumer consent, improper reporting. 
I did not authorize any financial activity with XXXX XXXX on this date. This inquiry is unauthorized and negatively impacts my credit score. FCRA requires that all inquiries be verified. I demand that XXXX XXXX provide documentation proving consent. Internal investigation shows no authorization exists. I did not sign any forms or give verbal approval. This inquiry is inaccurate and misrepresents my credit file. I request its immediate removal. Failure to delete may result in further legal action. This inquiry violates my rights under FCRA. I expect a thorough reinvestigation. 

XXXX XXXXXX/XX/year> FCRA XXXX ( a ) ( 3 ) No permissible purpose, consumer did not authorize. 
I did not request, authorize, or apply for any loan or credit product with XXXX on this date. The inquiry appears on my credit report without my consent. FCRA requires that unauthorized inquiries be removed immediately if they can not be verified. Internal records confirm no authorization exists. This inquiry negatively affects my credit history. I request proper documentation of consent. If verification fails, the inquiry must be deleted. This violation impacts my financial reputation and credit score. I expect the bureau to reinvestigate fully. Failure to act may result in legal action to protect my rights. 

I request CFPB to ensure all these accounts are thoroughly investigated in compliance with FCRA 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), and if the furnishers and credit bureaus can not provide verifiable documentation proving the accuracy of the reporting, they must delete these accounts and late payments from my credit profile. Continued inaccurate reporting is a violation of federal law and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief