Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against various furnishers and credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer. I have attempted to resolve these issues directly, but the inaccuracies continue to appear on my credit reports, severely damaging my credit profile, financial opportunities, and personal well-being. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 15 U.S.C. 1681c ( a ) ( 5 ) ; CFPB guidelines Story : This address is incorrectly reported on my file, causing confusion during credit decisions. I have never owned, rented, or used this location. According to FCRA, inaccurate personal information jeopardizes my credit reputation. The continued reporting of this address violates my right to a fair and accurate consumer file. I request its immediate removal. 

XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 15 U.S.C. 1681e ( b ) Story : I have no connection to this property. Its presence on my report misleads creditors and has caused unnecessary denials. The FCRA places responsibility on credit bureaus to maintain accuracy and verify disputed information. Listing an address of which I have no knowledge is a clear breach. Please investigate and delete this information from my record. 

XXXX XX/XX/XXXX Issue : Inquiry Without Consent Law : FCRA 15 U.S.C. 1681b ( f ) Story : This inquiry was recorded without my knowledge or explicit consent. Such actions unfairly affect my credit file and violate regulations requiring permissible purpose. I demand evidence of permission or prompt deletion. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry Error Law : FCRA ; CFPB Complaint Procedures Story : I did not initiate a credit application with this entity. The FCRA protects consumers from unauthorized inquiries. I require a full investigation and removal of this entry from my report. 

XXXX XX/XX/XXXX Issue : Unauthorized Hard Inquiry Law : FCRA 15 U.S.C. 1681b Story : This hard inquiry was not authorized by me. Such reporting negatively impacts my credit score and violates consumer protections. Please delete this record from my file. 

XXXX XX/XX/XXXX Issue : Fraudulent Inquiry Law : FCRA 15 U.S.C. 1681s-2 ( a ) Story : No application or inquiry was submitted by me to this company. Unauthorized hard pulls are a serious breach. I insist on immediate removal and investigation for potential fraud.

RELIEF REQUESTED : 1. Immediate investigation and removal of inaccurate addresses 2. Full deletion of inaccurate, duplicated, and unverifiable negative accounts 3. Permanent removal of unauthorized inquiries from my credit reports 4. Written confirmation of all corrective actions taken I respectfully urge the CFPB to hold the involved furnishers and credit bureaus accountable for these repeated violations and ensure that my consumer rights under the law are restored. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief