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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the credit reporting agencies ( Equifax, XXXX and XXXX  ) and the furnishers listed below for their failure to maintain accurate, verifiable, and lawful reporting of my personal information and credit accounts. Despite my repeated efforts to correct these errors, the inaccuracies remain on my credit file, causing significant damage to my credit reputation and emotional distress. 
The following addresses and accounts are being reported inaccurately and must be investigated under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Incorrect Addresses ( FCRA 611 & 605B ) The following addresses are completely incorrect and must be deleted from my credit file immediately. I have no known association or residency history with these addresses, and their presence on my report indicates potential identity confusion or reporting error : XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address These addresses are inaccurate and misleading. I have never lived, worked, or received mail at any of these locations. According to the Fair Credit Reporting Act, consumer reporting agencies must ensure maximum possible accuracy of consumer data. Allowing false addresses to remain is a direct violation of FCRA 607 ( b ). I request immediate deletion of all listed incorrect addresses from all three credit bureaus. 
Hard Inquiries ( Unfamiliar or Unauthorized ) XXXX XX/XX/year> I am disputing these inquiries as I did not authorize these companies to access my credit file. The Fair Credit Reporting Act states under 604 that a consumer report may only be accessed with a permissible purpose and the consumers explicit consent. These inquiries appear to be unauthorized and potentially fraudulent. Please conduct an investigation and remove all inquiries that can not be verified with documented authorization. Duplicate entries from XXXX are particularly concerning and must be corrected immediately. 
Summary of Damages and Requested Action These inaccuracies have severely impacted my creditworthiness, resulting in emotional distress, denial of credit opportunities, and unnecessary financial hardship. Each of the items listed above is either unverifiable, unauthorized, or completely unrelated to me. I have already contacted the credit bureaus to dispute these errors, but they have failed to correct or remove them in compliance with the FCRA. 
I am requesting that the CFPB initiate a full investigation into : 1. The failure of the credit bureaus to properly verify and correct disputed information under FCRA 611 ( a ).

2. The unauthorized access of my credit file by companies without permissible purpose under FCRA 604.

3. The illegal and unvalidated collection reporting by XXXX XXXX  and XXXX XXXX violating both the FCRA and FDCPA.

I ask that the CFPB take appropriate regulatory action to ensure compliance and require immediate deletion or correction of all inaccurate data.

Company response to consumer: Closed with explanation