Consumer complaint received 2025-08-02 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint to bring to your attention several serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by consumer reporting agencies and furnishers. Despite previous disputes submitted directly to the credit bureaus, the following inaccurate, unverifiable, and unauthorized entries remain on my credit report, negatively affecting my financial standing, credit access, and mental well-being. 
XXXXXXXX XXXX XXXX  XXXX XXXX, NY XXXX Wrong Address Issue : This address does not belong to me. It is not associated with any of my housing, financial, or employment records. 
Law : FCRA Section 605 ( b ) requires only accurate and verifiable identifying information on a consumers credit report. Reporting wrong addresses leads to file merging and inaccurate data.

Story : This incorrect address has led to accounts being misattributed to me. I have had to explain to lenders that I never lived here, and this has caused stress and suspicion in the underwriting process. This must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Wrong Address Issue : I have never lived at this address and have no connection to it. 
Law : FCRA Section 607 ( b ) mandates consumer reporting agencies maintain maximum possible accuracy. This address is a clear violation.

Story : The presence of this address resulted in accounts showing up on my file that arent mine. Ive been repeatedly questioned about my identity. Im being unfairly penalized for an address Ive never occupied. Please remove it at once. 
XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Charge Off Issue : Duplicate of the above listing. 
XXXX : Duplicate reporting misrepresents liability and violates the FCRA. 
Story : I have no relationship with two separate accounts of the same date and amount. Reporting this twice is harming my score and financial credibility. This item must be removed. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Charge Off Issue : I do not recognize this account. No validation was ever received. 
Law : FDCPA Section 809 requires written verification. FCRA 623 ( a ) ( 3 ) demands accuracy and verifiability.

Story : This charge-off has caused immense damage to my credit score and mental health. I never received a statement, bill, or contract regarding this account. It is either fraudulent or reported in error and must be deleted immediately. 
XXXX XXXX XXXX  XXXX XX/XX/XXXX Inquiry Issue : Duplicate unauthorized inquiry. 
Law : FCRA violation for duplicate inquiry without consent.

Story : Having two inquiries from the same company on the same day is deceptive. This lowers my score unfairly and makes me look like a credit risk. Remove it. 
XXXX XXXX  XXXX XX/XX/XXXX Inquiry Issue : No known relationship with this company. 
Law : Unauthorized access under FCRA. 
Story : I never gave them permission. They accessed my file wrongfully. This must be removed. 
XXXX XXXX XXXX  XX/XX/XXXX Inquiry Issue : Unauthorized inquiry. 
Law : No permissible purpose under FCRA. 
Story : I never applied with them. This inquiry is lowering my score and should be deleted. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Inquiry Issue : Unauthorized inquiry submitted by dealership. 
Law : FCRA 604 ( a ) ( 3 ) violated.

Story : The dealer submitted my name to multiple lenders without my consent. This caused multiple hits to my credit. Remove it now. 
XXXX XXXX XXXX  XX/XX/XXXX Inquiry Issue : Duplicate unauthorized access. 
Law : Same FCRA violations.

Story : The same dealership submitted inquiries to various lenders, including this one, without consent. Remove this inquiry immediately. 
Requested Action from CFPB : I am requesting that the Consumer Financial Protection Bureau investigate these violations and hold the credit reporting agencies and furnishers accountable. I ask that you compel the CRAs to : Delete the above-listed wrong addresses from my credit report Remove the unverifiable, duplicate, and false accounts Delete the unauthorized hard inquiries Provide documentation and verification for any information they choose to retain These violations have caused me significant emotional distress, loss of credit opportunities, and disruption to my personal and professional life. I have followed proper dispute procedures and still have not received resolution. Your intervention is now required.

Company response to consumer: Closed with non-monetary relief