Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate and unauthorized items appearing on my credit reports These include wrong addresses, false late payment reporting, and numerous unauthorized hard inquiries Each item listed below is causing serious damage to my credit profile and financial opportunities despite my prior dispute attempts and existing CFPB complaint already open The continued presence of these inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ) and must be addressed immediately XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Wrong Address Issue : I have never resided at this address nor used it in any financial, residential, or identification context. 
Law : FCRA 1681e ( b ) Credit bureaus must ensure the maximum possible accuracy of the information they report.

Story : This address is a complete mismatch with any of my personal, employment, or legal history. The inclusion of this location on my credit report suggests either file mixing with another consumer or potential identity fraud. This error not only misrepresents my true residency but also puts me at risk of future fraudulent claims or data breaches. 
XXXX XXXX XXXX XXXX, GA XXXX Wrong Address Issue : I have never lived at or had any affiliation with this address. 
Law : FCRA 1681c ( f ), 1681b Reporting outdated or unauthorized address data violates permissible use and accuracy obligations.

Story : The persistence of this unrelated address signals possible identity theft or system error. Its presence might cause wrongful linking to delinquent accounts or financial risks I am not responsible for, which affects my loan eligibility and reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} Late Payment * * Issue : Reporting a late payment on an account with a zero-dollar balance is misleading and potentially false. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information ; Metro 2 guidelines prohibit late notations on closed or paid accounts.

Story : This account shows a {$0.00} balance, yet it reflects late payments, which is contradictory and has resulted in a negative impact on my credit score. Such reporting misguides potential creditors and falsely implies mismanagement on my part. This must be corrected or removed. 
XXXX XX/XX/XXXX XXXX XXXX : I did not request credit or give authorization for this inquiry. 
Law : FCRA 604 Inquiries require express permission or legitimate business need. 
Story : I had no interactions with XXXX on or around this date. This inquiry may be a result of someone else misusing my information or an error in data handling. It must be removed to reflect true inquiry history. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : This inquiry was not initiated or authorized by me.

Law : FCRA 1681b ( a ) ( 3 ) Requires clear permissible purpose. 
Story : I have not shopped for or financed any vehicle at XXXX XXXX during that time. The inquiry causes unnecessary score damage and indicates possible identity error or misfiling. 
XXXX XX/XX/XXXX Inquiry Issue : Inquiry appears without consumer authorization. 
Law : FCRA 604 Protects consumers from unauthorized access. 
Story : No credit application was submitted to XXXX XXXX. This entry needs to be removed as it was not permitted or requested. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry. 
Law : FCRA 1681b Inquiry must be relevant and consented. 
Story : I never interacted with this company. The presence of this inquiry raises red flags regarding misuse of my personal data. 
XXXX XX/XX/XXXX XXXX XXXX : No authorization or application was made. 
Law : FCRA 1681b ( c ) ( 1 ) ( A ) Requires consumer approval. 
Story : I never reached out to XXXX for financing. This pull could lead to misinformation about my financial activity and must be removed. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : No inquiry consent was given. 
Law : FCRA 604 Prohibits unauthorized inquiries. 
Story : I never submitted any application to this lender. The appearance of this inquiry suggests unauthorized access or reporting error. 
XXXX XX/XX/XXXX XXXX XXXX : Credit access without request or consent. 
Law : FCRA 1681b Must be with valid purpose.

Story : This was not initiated by me. It may be part of multiple unauthorized inquiries that are damaging my report unfairly. 
XXXX  XX/XX/XXXX XXXX XXXX : Repeated unauthorized inquiry from the same dealership. 
Law : FCRA 1681b Repetition without cause is a violation. 
Story : I believe these are bulk auto pulls without proper disclosure or permission. Theyre unjustified and must be erased. 
I am requesting the CFPB to fully investigate all these matters and instruct the responsible credit bureaus and furnishers to delete the inaccurate addresses, remove the late payment entry that contradicts the account status, and delete all unauthorized hard inquiries listed above These errors are negatively impacting my credit profile and financial reputation and have caused considerable stress and financial harm I also request confirmation from CFPB and any relevant agencies once the issues have been addressed and corrected Thank you for your attention to this serious matter

Company response to consumer: Closed with non-monetary relief