Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts, address inaccurately reported on my credit file by creditors and debt collectors. Despite my repeated efforts to dispute these items with the credit reporting agencies, the inaccurate, unverifiable, and misleading information continues to appear on my report, causing serious harm to my creditworthiness and financial stability. I respectfully request the CFPB to intervene, investigate these matters thoroughly, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have outlined each disputed account below with supporting facts and applicable legal violations. 
Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX  Balance Owed : {$18000.00} Status : Charge-Off * * Issue : This is a duplicate account of the one listed above and its presence causes inaccurate representation. 
Law Violation : FCRA 609 ( c ) ( 2 ) allows consumers the right to dispute duplicate or unverifiable information. CFPB also mandates that data furnishers avoid duplicate negative impacts from the same debt. 
Story : This account seems to mirror the previous XXXX XXXX  account in balance and status, resulting in double derogatory reporting. This severely affects my credit and is misleading to lenders. 
Instruction : Immediately remove this duplicate charge-off from my file and confirm that only one accurate version, if any, is reported.

Inquiry : XXXX XXXX XXXX Date : XX/XX/year>XXXX  Issue : This hard inquiry was not authorized by me and constitutes an unauthorized access to my credit profile. 
Law Violation : FCRA 604 ( a ) ( 3 ) states that a permissible purpose must exist for any inquiry. Inquiry without my consent is a violation.

Story : I did not authorize XXXX XXXX XXXX XXXX or any related entity to run my credit on this date. This inquiry was done without a signed credit application or consent, which is illegal and causes unjust score impact. 
Instruction : Please remove this unauthorized inquiry from my credit report and provide proof of authorization if you choose not to delete. 
These accounts, address have significantly harmed my creditworthiness and mental well-being. I respectfully request that the CFPB take immediate action by initiating an investigation, compelling the data furnishers to provide full documentation verifying these debts or instructing the credit bureaus to delete the accounts due to failure to comply with federal consumer protection laws. I am also requesting that all credit bureaus update or delete any inaccurate information resulting from this dispute. I am exercising my rights under the FCRA and FDCPA and seeking the assistance of the CFPB to enforce fair and accurate reporting practices as guaranteed under federal law.

Company response to consumer: Closed with explanation