Consumer complaint received 2025-08-15 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:
b'I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal.\n\nACCOUNT  XXXX XXXX XXXX Date Opened: 15/06/2023 Balance Owed: $XXXX  Late Payment**\nLaw: FCRA 602(A), 611, 609  Right to accurate and verifiable information\nIssue: Reported late payment is inaccurate and unverifiable\nStory: This account has a $XXXX balance and was fully paid; no verifiable proof has been provided showing any valid late payment. Continued reporting without verification violates my rights under the FCRA.\n\nACCOUNT  XXXX XXXX Date Opened: 4/1/2025 Balance Owed: $XXXX  Chargeoff**\nLaw: FCRA 602(A), 611, 623(a)(1)(A)\nIssue: Charge-off is unverified and potentially inaccurate\nStory: This account does not belong to me or is being reported in error. No contract or proof of responsibility has been presented to validate this debt.\n\nACCOUNT  XXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Collection**\nLaw: FCRA 602(A), 611, FDCPA 807(8)\nIssue: Collection account lacks proper verification\nStory: No signed agreement or service record was presented to prove the validity of this debt. Continued reporting without proof is a violation of my rights.\n\nACCOUNT  XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\nLaw: FCRA 602(A), 611, 609\nIssue: Late payment entry is inaccurate\nStory: Account is reported with $0 balance; no substantiated documentation of late payment has been provided by the furnisher.\n\nINQUIRY  XXXX #XXXX XXXX\nLaw: FCRA 604(a)\nIssue: Unauthorized inquiry\nStory: No authorization or application provided for this inquiry.\n\nINQUIRY  XXXXXXXX XXXX\nLaw: FCRA 604(a)\nIssue: Unauthorized inquiry\nStory: Not authorized; no documentation provided.\n\nINQUIRY  XXXX XXXX\nLaw: FCRA 604(a)\nIssue: Unauthorized inquiry\nStory: Inquiry not permitted; lacks proof of consent.\n\nINQUIRY  XXXX XXXX\nLaw: FCRA 604(a)\nIssue: Unauthorized inquiry\nStory: No approval or signed consent given.\n\nINQUIRY  XXXX XXXX\nLaw: FCRA 604(a)\nIssue: Unauthorized inquiry\nStory: No permissible purpose or consent for this inquiry.\n\nI am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they cannot produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.'

Company response to consumer: Closed with non-monetary relief