Consumer complaint received 2025-08-19 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: NV

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records.

Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX Law : FCRA Section 611 requires prompt reinvestigation when a consumer disputes information. 
Issue : This address is not accurate and does not belong to me. 
Story : I have never conducted any transaction, lease, or utility setup at this unit. Its inclusion on my credit report could be mistakenly tied to accounts or financial obligations I have never had. Continuing to report this address misrepresents my credit and housing history. 

Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Law : FCRA Section 609 ( a ) entitles me to full disclosure of the information sources being reported. 
Issue : This address should not be listed on my report. 
Story : I have never resided here, received mail, or used this location in any manner. Reporting it raises the risk of identity confusion or mixed credit files, potentially impacting my ability to secure loans or housing in the future. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Law : FCRA Section 607 ( b ). 
Issue : This address is not mine and is inaccurately tied to my profile. 
Story : I have no connection to this property. Its presence may wrongly suggest financial activity or credit obligations at this location, damaging my credibility with lenders and creating undue scrutiny of my credit report.

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$45000.00} Status : Late Payment Law : FCRA Section 602 ( A ) emphasizes accuracy and fairness in credit reporting. 
Issue : This account is inaccurately reporting late payments. 
Story : I made every payment on time as per my loan agreement, and there is no verified evidence supporting any late payment claim. Reporting this account as delinquent harms my credit score, affects interest rates, and misrepresents my financial responsibility. I request verification with documented proof of any alleged late payment ; otherwise, the entry must be corrected or deleted. 

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604. 
Issue : No permissible purpose for this inquiry. 
Story : I did not apply for credit or banking services with XXXX  XXXX XXXX on this date. Its inclusion is misleading and may affect my creditworthiness. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Law : FCRA Section 604. 
Issue : Unauthorized inquiry. 
Story : I did not apply or authorize any credit pull from XXXX XXXX XXXX, and this entry misrepresents my credit-seeking behavior. 

Inquiry : XXXX XXXX XX/XX/XXXX Law : FCRA Section 604.

Issue : This inquiry is improper. 
Story : I did not request any financing or service from XXXX XXXX. This inquiry is inaccurate and could influence lenders perception of my financial activity. 

Inquiry : XXXX XXXX XX/XX/XXXX Law : FCRA Section 604. 
Issue : No permissible purpose. 
Story : I did not make any application with XXXX XXXX. This inquiry falsely indicates credit-seeking behavior. 

Inquiry : XXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604. 
Issue : Unauthorized inquiry. 
Story : I did not apply for any services with XXXX XXXX, and reporting this inquiry misrepresents my financial history. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Law : FCRA Section 604. 
Issue : Unauthorized inquiry. 
Story : I never authorized XXXX XXXX XXXX or XXXX to access my credit file. This inquiry creates confusion and inaccurately inflates my credit report activity. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Law : FCRA Section 604. 
Issue : This inquiry has no permissible purpose. 
Story : I did not authorize XXXX XXXX or XXXX XXXX to review my credit. Reporting this is misleading and harms my credit score. 

Inquiry : XXXX XXXX XX/XX/XXXX Law : FCRA Section 604. 
Issue : Unauthorized inquiry. 
Story : I did not authorize XXXX XXXX to pull my credit. Its inclusion misrepresents my credit-seeking behavior. 

Inquiry : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604. 
Issue : No permissible purpose. 
Story : I have no account or application with XXXXXXXX XXXX XXXX XXXXXXXX, and this inquiry is unauthorized, misleading, and must be deleted. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation