Consumer complaint received 2025-10-09 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: NV

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint under my rights as a consumer granted by the Fair Credit Reporting Act ( FCRA ) due to multiple serious violations committed by both the credit bureaus and several furnishers who have reported false, inaccurate, and unauthorized information on my credit report. I am requesting an immediate investigation and enforcement action to correct these violations and protect my consumer rights. 
My credit report contains wrong addresses, false late payment history, and unauthorized credit inquiries that have collectively damaged my financial reputation and credit standing. These errors have caused me significant emotional distress, denial of credit, and loss of opportunities that I rightfully deserve. 
Wrong Addresses Reported The following addresses are incorrect and must be deleted immediately, as I have never lived or received mail at these locations. Keeping such incorrect addresses on my file raises serious concerns regarding identity theft or mixed credit files : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX WRONG ADDRESS These addresses are not and have never been associated with me. They may have been added in error or due to fraudulent activity. Please remove them from my credit file immediately as they do not belong to me. 
Account in Dispute XXXX XXXXXXXX Account # XXXX * * Reported High Balance {$6000.00} Date Opened : XX/XX/XXXX Marked as Late Payment * * This reporting is completely inaccurate. I have never made any late payments to XXXX XXXX, and I have always maintained my account responsibly. Reporting this account as late is a violation of my consumer rights under FCRA 607 ( b ) which requires furnishers to maintain maximum possible accuracy. This false late payment history has damaged my creditworthiness, caused emotional distress, and impacted my ability to obtain financing. I request that this late payment history be corrected immediately to reflect my accurate payment history or that the account be updated to show Never Late/ Pays As Agreed.

I am not requesting deletion of this account, only correction of the inaccurate payment history that was wrongly reported.

Unauthorized and Questionable Inquiries The following inquiries appear on my report without my authorization or any legitimate business purpose. According to FCRA 604 ( a ) ( 3 ), no entity is allowed to access my credit file without a permissible purpose. Therefore, I am demanding the immediate deletion of these inquiries from my credit report : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I have no active applications or interactions with these companies during the times listed XXXX I believe they were added without proper consent, possibly due to errors or identity theft. Each one of these inquiries must be immediately deleted from my credit report as they are damaging my score and reputation. 
Because of these combined issueswrong addresses, false late payment reporting, and unauthorized inquiriesI have suffered financially and emotionally. My creditworthiness has been unfairly damaged, and I have been denied approvals for credit, housing, and funding opportunities. These inaccuracies have created an image of irresponsibility that does not reflect who I am or how I manage my financial obligations. 
I have already contacted the credit bureaus and disputed these items, but they have failed to take appropriate corrective action. Therefore, I am requesting that the CFPB intervene and ensure that all responsible partiesincluding the credit reporting agencies and the furnishersbe held accountable under FCRA 609, 611, 616, and 617 for negligent and willful noncompliance.

Requested Resolutions : 1. Immediate removal of all wrong addresses that do not belong to me.

2. Correction of XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  to reflect accurate payment history ( Pays As Agreed ). 
3. Permanent deletion of all unauthorized inquiries listed above.

4. A full investigation and enforcement action to ensure future compliance with federal credit reporting laws.

5. Written confirmation from all credit bureaus that these corrections have been completed. 
I am submitting this complaint to ensure my consumer rights are protected and to stop the continued harm caused by false reporting and poor investigation practices. I expect the CFPB to hold these institutions accountable for their negligence and violations. 
Thank you for your attention to this matter. Please contact me directly if any additional documentation or identification is required.

Company response to consumer: Closed with non-monetary relief