Consumer complaint received 2025-11-04 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 submitting this complaint to the Consumer Financial Protection Bureau due to multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal laws. My credit reports are being reported with inaccurate personal information, false account data, and unauthorized inquiries, all of which have caused harm to my creditworthiness and reputation. I am requesting an immediate investigation and correction under federal law. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7200.00} Late Payment This account reflects inaccurate late payment reporting. I have not received any lawful validation of the alleged delinquency, nor any documentation showing verified payment history from the original creditor. Under FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ), inaccurate data can not remain if not fully substantiated. FCRA 602A and 607 ( b ) require strict accuracy. The account is therefore disputed and must be deleted unless full proof is produced from the furnisher directly, including signed contract and payment logs. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4100.00} Late Payment This is a duplicate or inconsistent reporting of the same loan, showing conflicting balances and histories, violating FCRA 607 ( b ) regarding completeness and accuracy. No validated records or promissory note have been provided. The account remains unverifiable under 611 ( a ) ( 1 ) ( A ). Reporting such inconsistent data misleads future lenders and violates FCRA 623 ( b ). Immediate deletion is required if not fully validated. 

INQUIRIES XXXX XXXXXX/XX/XXXX This unauthorized inquiry violates FCRA 604 ( a ) ( 3 ) since no credit application, written consent, or permissible purpose exists. I request deletion and investigation into how my data was accessed. 

XXXX XX/XX/XXXX This inquiry was made without my authorization. Under FCRA 604 and 616, unauthorized access to my credit file is illegal. Delete this inquiry and ensure no recurrence occurs. 

These inaccurate and unauthorized items have collectively resulted in severe harm to my creditworthiness, denial of credit opportunities, and emotional distress. The credit bureaus and furnishers have a legal duty under FCRA 607 ( b ) to ensure accuracy, fairness, and privacy in credit reporting. Their ongoing failure to maintain compliance constitutes negligence and willful noncompliance as defined under FCRA 616 and 617, which make them liable for actual, statutory, and punitive damages. 
I request that the Consumer Financial Protection Bureau conduct a full investigation into the reporting and verification procedures used by the credit bureaus and furnishers in this matter. I also request immediate correction and deletion of all inaccurate information, removal of unauthorized inquiries, and assurance of compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act moving forward.

Company response to consumer: Closed with non-monetary relief