Consumer complaint received 2025-08-09 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:
I am submitting this complaint regarding inaccurate and unauthorized information being reported on my credit file. The following addresses, inquiries, and account details are being reported in error. These items are harming my creditworthiness, causing financial and emotional distress, and are in violation of federal consumer protection laws. I have already contacted the credit bureaus regarding these inaccuracies, but they have failed to properly investigate and correct the errors. I am now seeking the CFPBs assistance in ensuring my rights are protected under the law and that these items are removed immediately. 
ADDRESS XXXX XXXX XXXX XXXX XXXX, NV XXXX Law/Issue : FCRA Section 609 ( a ) requires the credit bureau to provide proof of how this address is connected to me. I have never lived at or been associated with this address. Reporting inaccurate addresses violates FCRA 607 ( b ) due to failure to maintain maximum possible accuracy. 
XXXX : This address is not connected to any of my valid identification documents, utility bills, or lease agreements. Including this address creates confusion in my credit file and could link me to accounts or activities that are not mine. This is a clear case of mixed file or identity error and must be deleted immediately. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, NV XXXX Law/Issue : Under FCRA 609 ( a ) and 611 ( a ), the credit bureau must verify any personal information with a reliable source. This address is incorrect, unverified, and must be deleted. Continuing to report false personal information violates FCRA 607 ( b ). 
Story : I have no residency, business, or mailing connection to this address. It is not on my drivers license, social security records, or any official documents. This error may have been caused by inaccurate creditor reporting or data merging from another persons file. 

XXXX XXXX XXXXXX/XX/year> Law/Issue : Under FCRA 604 ( a ), a credit bureau can only report inquiries where a permissible purpose exists. I never applied for or authorized any credit with this entity. Unauthorized inquiries violate FCRA 604 ( a ) and 607 ( b ). 
Story : I did not provide written or electronic consent for this company to access my credit file. This unauthorized inquiry has lowered my credit score and exposed my personal information without my approval. I demand its immediate removal. 

XXXX XXXX XXXXXX/XX/year> Law/Issue : FCRA 604 ( a ) strictly prohibits credit inquiries without a permissible purpose. This inquiry is unauthorized and damages my creditworthiness. 
Story : I have no account, application, or business relationship with XXXX. I never gave permission for my credit file to be accessed. This is an invasion of privacy and a violation of my consumer rights, requiring deletion. 

The above addresses and inquiries are being wrongfully reported, causing me significant harm. They are lowering my credit score, damaging my ability to obtain fair credit, and creating the impression that I am linked to fraudulent activity or other individuals ' credit histories. These are clear violations of my rights under the FCRA, as the credit bureaus and furnishers are obligated to ensure accuracy and completeness of reported information. I have already disputed these inaccuracies directly with the credit bureaus, providing them with detailed evidence proving these items do not belong to me. However, they have willfully ignored their duty to conduct a reasonable investigation and have instead continued to publish false and harmful data on my credit report. This behavior shows a reckless disregard for the law and my consumer rights. I am requesting that the CFPB compel the credit bureaus and furnishers to immediately remove these inaccurate addresses and unauthorized inquiries, and to confirm the permanent deletion in writing. Additionally, I am requesting an investigation into the practices of the credit bureaus and furnishers involved to ensure they implement proper verification procedures moving forward.

Company response to consumer: Closed with non-monetary relief