Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the major credit reporting agencies for their continued reporting of false personal information, unverified accounts, and unauthorized inquiries on my credit report. Despite my repeated disputes and clear evidence that much of this information is inaccurate and unverifiable, these agencies have refused to properly investigate or remove the false data in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
WRONG ADDRESSES REPORTED REQUEST FOR IMMEDIATE DELETION : I have discovered that your agency is reporting multiple addresses that do not belong to me and with which I have no connection whatsoever. These are outdated, false, and misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX These addresses are completely inaccurate and unrelated to my verified residence history. Reporting such addresses links me to unknown activities and accounts that do not belong to me, which is a clear violation of the FCRA 1681e ( b ) the duty of consumer reporting agencies to assure maximum possible accuracy of the information they report. I demand that all of these false addresses be permanently deleted from my credit file. 
ACCOUNT DISPUTES : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | High Credit : {$17000.00} | Status : Repossession I have no knowledge of this account, nor have I ever authorized or entered into any agreement with XXXX. This appears to be a fraudulent or misreported account. I never financed or purchased any vehicle through this entity. Reporting such unverified and inaccurate information constitutes a violation of FCRA 1681i ( a ), which requires deletion of any information that can not be verified within 30 days of investigation. I demand that this account be immediately removed from my report. 
Unknown Account # XXXX Date Opened : XX/XX/XXXX | High Credit : {$1900.00} | Status : Collection This account is completely unfamiliar to me. I have no contract, no record, and no obligation to any company associated with this number. It is extremely concerning that an account with no verification or authorization has been attached to my credit file. This is a violation of FCRA 1681b ( a ) as no permissible purpose existed to report or share this information. I request deletion of this unverified collection account immediately. 
XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | High Credit : {$400.00} | Status : Late Payment This reporting is false. I have never made a late payment to XXXX XXXX for this account. My payment history has been consistent and on time. I request that you correct this account to reflect a perfect payment history and remove any inaccurate late payment notation. Failure to do so would be a violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known to be inaccurate. 
UNAUTHORIZED HARD INQUIRIES : I have noticed several inquiries on my report that I did not authorize or consent to. Each of these inquiries must be investigated and deleted immediately, as they were not initiated by me nor with my written permission. The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These inquiries are negatively impacting my credit score and were made without permissible purpose, violating FCRA 604 ( a ). Under this law, no entity may access or pull my credit without my explicit authorization. I request these inquiries be deleted immediately and that you provide me with the names and addresses of each company that initiated them, along with evidence of my authorization. 
LEGAL VIOLATIONS INVOLVED : FCRA 602 ( A ) : Bureaus must protect consumer privacy and ensure fairness and accuracy in credit reporting.

FCRA 607 ( b ) : Requires bureaus to assure maximum possible accuracy.

FCRA 611 ( a ) : Requires reinvestigation of disputed information and deletion of unverifiable data within 30 days.

FCRA 604 ( a ) : Prohibits access to consumer reports without authorization or permissible purpose. 
FCRA 616 & 617 : Provides for civil liability for willful and negligent noncompliance.

CONSUMER IMPACT : These ongoing errors have caused me financial hardship, denial of credit, and emotional distress. My creditworthiness has been damaged by false addresses linking me to unknown accounts, unauthorized inquiries reducing my score, and inaccurate reporting of late payments. The agencies have failed to comply with their federal duty to maintain and report only verified and accurate information. 
REQUEST FOR CFPB ACTION : I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take immediate enforcement action against the responsible credit reporting agencies. I also ask that the CFPB compel the bureaus to : 1. Permanently delete all false addresses.

2. Remove or correct all unverifiable and inaccurate accounts.

3. Delete all unauthorized credit inquiries.

4. Provide written confirmation of the corrective actions.

Enclosures ( if applicable ) : Copy of my valid photo ID Proof of current address Copies of my recent credit reports showing the disputed items Thank you for your attention and prompt handling of this matter. I am relying on the CFPB to enforce my rights under the Fair Credit Reporting Act and to ensure that credit bureaus uphold the law.

Company response to consumer: Closed with non-monetary relief