Consumer complaint received 2025-11-15 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: IL

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies and the furnishers listed below for reporting false, unverified, and damaging information on my consumer report. These items violate the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), 609, 611, and 623, which require maximum possible accuracy, proper verification, and lawful furnishing of data. 

I have already attempted to dispute these items directly with the credit bureaus, but they failed to properly investigate, failed to provide any supporting documentation, and continued reporting inaccurate information. Therefore, I am seeking CFPB intervention. 

INACCURATE / UNAUTHORIZED ITEMS XXXX. WRONG / UNAUTHORIZED ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no connection to this address. It is not mine and was never mine. 
This violates FCRA 609 ( a ) and 611 because the bureau can not verify ownership of this address and must remove incorrect identifying information. 

ACCOUNT XXXX XXXX. XXXX XXXX Account Ending XXXXXXXX XXXX High Balance : {$40000.00} Date Opened : XX/XX/XXXX Reported Issue : Late Payment ( INACCURATE ) I dispute the late payment reporting. I have never made a late payment, and the furnisher has failed to provide documentation proving this claim. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they can not verify. 

I am requesting full correction of the history. 

XXXX. XXXX XXXX XXXX Account Ending XXXX XXXX High Balance : {$230.00} Date Opened : XX/XX/XXXX Reported Issue : Collection ( NOT MINE / NO KNOWLEDGE OF THIS ACCOUNT ) I have no knowledge of this debt and never authorized or opened this account.

Under FCRA 605B and 611, any unverified or fraudulent collection must be deleted. 

I am requesting immediate deletion. 

XXXX. XXXX XXXX XXXX  Account Ending XXXXXXXX XXXX High Balance : {$770.00} Date Opened : XX/XX/XXXX Reported Issue : Collection ( NOT MINE / NO KNOWLEDGE OF THIS ACCOUNT ) I do not recognize this collection account. It is unverified, unauthorized, and appears fraudulent. 
The furnisher has failed to provide any proof of ownership or validation. 

I request immediate deletion. 

UNAUTHORIZED / IMPROPER INQUIRIES XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX These hard inquiries were not authorized by me. Under FCRA 604, a hard inquiry requires permissible purpose. These furnishers have not provided any proof of authorization.

I request removal of both unauthorized inquiries.

REQUEST FOR CFPB ACTION I am requesting that the CFPB : Require all reporting agencies and furnishers to provide proper verification, including signed applications, original contracts, payment records, and proof of ownership.

Order immediate deletion of any item that can not be fully verified. 

Hold the bureaus and furnishers accountable for violating FCRA accuracy, verification, and reinvestigation requirements. 

Ensure all corrected information is sent to all consumer reporting agencies. 

These inaccurate entries have caused severe harm to my credit profile, financial opportunities, and overall consumer rights. I am requesting full investigation and enforcement action. 

DECLARATION I declare under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge. 

Thank you for your immediate attention.

Company response to consumer: Closed with explanation