Consumer complaint received 2025-06-18 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:
I am submitting this formal complaint regarding serious and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and Fair Debt Collection Practices Act ( FDCPA ) by the credit reporting agencies ( Equifax, Experian, and TransUnion ). I have attempted multiple rounds of disputes regarding inaccurate personal information, unverifiable late payments, and unauthorized inquiries, all of which continue to appear on my credit reports. These continued errors are willful, negligent, and damaging to my credit profile.

1. Inaccurate and Obsolete Address Reporting The following addresses are completely inaccurate and do not belong to me. Their presence on my report constitutes a violation of FCRA 1681e ( b ) failure to maintain maximum possible accuracy in consumer reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not linked to me in any verified or legal capacity. Continuing to report them without proper verification is a violation of FCRA 1681i ( a ) failure to reinvestigate disputed information. 
2. Unverified and Inaccurate Late Payments XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Late Payment reported Violation : This late payment is not accurate, not fully validated, and was disputed previously without proper investigation under FCRA 1681i. 
XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1600.00} Issue : Late Payment Violation : The creditor failed to validate the delinquency. It is unverified, and continued reporting violates FCRA 1681s-2 ( b ). 
XXXX XXXX  BANK Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$520.00} Issue : Late Payment Violation : No documentation provided upon dispute. Under FCRA 1681e ( b ), such entries must be verified and accurate. 
These late payments are damaging my credit score and were reported without appropriate validation, violating the FCRAs accuracy and reinvestigation requirements. 
3. Unverified/Unauthorized Hard Inquiries The following hard inquiries were made without my knowledge, consent, or legitimate purpose under FCRA 1681b . These are clear violations of my consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not applied for any credit with these institutions on or near those dates. Reporting these inquiries without permissible purpose violates FCRA 1681b ( f ) and constitutes willful noncompliance.

Legal References Violated : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i : Failure to conduct a proper reinvestigation FCRA 1681b : Obtaining consumer report without permissible purpose FCRA 1681s-2 ( b ) : Duty to investigate and correct inaccurate information FDCPA 807 ( 15 U.S. Code 1692e ) : False or misleading representations FDCPA 809 ( 15 U.S. Code 1692g ) : Failure to validate disputed debt Requested Relief : 1. Immediate deletion of all inaccurate addresses listed above.

2. Full investigation and removal of unverified late payment entries.

3. Deletion of unauthorized or unverified hard inquiries.

4. Formal notification from all credit bureaus regarding the resolution.

5. Review for potential willful noncompliance and regulatory penalties. 
I respectfully request the CFPB to intervene and compel the credit reporting agencies to comply with federal law and ensure the integrity of my consumer file. 
Thank you for your attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief