Consumer complaint received 2025-11-10 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 submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act due to the reporting of inaccurate and unauthorized information on my credit profile. The information listed below is being reported in violation of my consumer rights, and I demand a full investigation and immediate correction of these violations. My intent is to ensure the accuracy, fairness, and completeness of all data as guaranteed by law. 

Addresses XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX These addresses are not connected to me and violate FCRA Section 607 ( B ) requiring maximum possible accuracy. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX | Balance : {$1900.00} | Late Payment This account shows late payments that are unverified and unsupported by any proof from the furnisher. Reporting unverifiable payment data is a violation of FCRA Sections XXXX ( B ) and XXXX ( A ). This account must be corrected or deleted within the XXXX reinvestigation period as it reflects negligent reporting practices. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$6600.00} | Late Payment No valid documentation has been provided showing this delinquency is accurate or belongs to me. Under FCRA Sections 611 and 623 ( B ), all unverifiable or inaccurate data must be deleted. Continued reporting of this false delinquency causes reputational and financial harm in violation of federal law. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX | Balance : {$9700.00} | Late Payment This entry shows false and misleading payment history that can not be validated. The furnisher has failed to confirm any legitimate delinquency, violating FCRA Section 607 ( B ). This error has negatively impacted my creditworthiness and must be deleted promptly. 

XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX | Balance : {$3100.00} | Late Payment This account has been inaccurately marked with late payments that have no verifiable proof. Reporting incomplete or false information violates FCRA Section 623 ( A ) ( 1 ) ( A ). XXXXXXXX XXXX must provide proof of accuracy or delete this tradeline immediately. 

Inquiries XXXX ( XX/XX/XXXX ) XXXX ( XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) All listed inquiries were made without my authorization or permissible purpose, violating FCRA Section 604 ( a ) ( 3 ). None of these entities had any established business relationship with me or obtained my written consent. I request immediate removal of all unauthorized inquiries from my report. 

The continued presence of these errors shows willful disregard for the accuracy and privacy protections guaranteed under the Fair Credit Reporting Act. I demand a full investigation by the CFPB into these violations and require confirmation that the inaccurate account information and unauthorized inquiry are permanently deleted from all credit bureaus databases. This complaint is filed to enforce my rights under federal law and to hold the furnishers and credit reporting agencies accountable for their noncompliance.

Company response to consumer: Closed with non-monetary relief