Consumer complaint received 2025-09-21 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 CFPB regarding multiple inaccuracies and unauthorized actions on my credit report that are causing severe harm to my financial standing. These issues include incorrect accounts, false bankruptcy reporting, and unauthorized credit inquiries, all in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies and creditors to maintain accurate, complete, and verifiable information. Despite repeated disputes and verification attempts, these errors continue to negatively impact my creditworthiness, access to credit, and overall financial stability. 

Inquiry : XXXX Date : XX/XX/year> I did not authorize XXXX to access my credit report. They have no legitimate business reason or permissible purpose as defined under FCRA 604 ( a ) ( 3 ). Unauthorized inquiries can negatively impact my credit score and create a false impression of credit seeking activity. I never applied for any account, loan, or service with XXXX. I have not granted any written or verbal permission for this access. According to FCRA 609 ( a ), I am entitled to verification of any inquiry, which XXXX can not provide. The inquiry is inaccurate, unverifiable, and misleading. Allowing this to remain on my report violates my consumer rights. Immediate deletion is required to comply with federal law. 

Inquiry : XXXX Date : XX/XX/year> XXXX accessed my credit file without my consent. There is no evidence of a credit application or any permissible purpose under FCRA 604 ( a ). I never engaged in any business with XXXX that would justify this inquiry. Such unauthorized access harms my credit score and misrepresents my credit behavior. I have not signed any agreement authorizing this inquiry. FCRA 607 ( b ) requires accurate reporting and strict adherence to access rules, which XXXX violated. I am requesting verification, and they can not provide one. The inquiry is inaccurate, misleading, and illegal. It must be permanently removed from my report. 

Inquiry : XXXX Date : XX/XX/year> XXXX accessed my credit report without my authorization, which is a violation of FCRA 604 ( a ) ( 3 ). I did not apply for a loan, credit card, or any financial product with them. Unauthorized inquiries reduce my creditworthiness and misrepresent my credit history. FCRA 609 ( a ) ( 1 ) allows me to request verification of any item, and XXXX can not verify this inquiry. There is no contract, consent, or permissible purpose supporting their access. Reporting this inquiry inaccurately is illegal under federal law. I demand its immediate deletion to prevent harm to my credit profile. Continued reporting constitutes a violation of FCRA 611 ( a ). 

Inquiry : XXXX Date : XX/XX/year> I did not provide authorization to XXXX to access my credit information. This inquiry violates FCRA 604 ( a ) ( 3 ) and 611 ( a ) ( 1 ). I never applied for any account, loan, or financing that would justify this access. Unauthorized inquiries negatively affect my credit score and misrepresent my credit activity. XXXX can not provide verification or proof of permissible purpose. Reporting this inquiry inaccurately is a violation of my rights under federal law. I request its permanent deletion from my credit report. Allowing it to remain is both unlawful and harmful to my credit reputation. Immediate removal is required under FCRA. 

I urge CFPB to take immediate action to enforce FCRA compliance, ensure accurate reporting, and protect consumers from further financial harm. The continued presence of these inaccuracies represents a clear violation of federal law and a persistent threat to my financial stability. I request prompt intervention, oversight, and correction to restore the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief