Consumer complaint received 2025-10-22 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:
This is an official complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized hard inquiries that have appeared on my credit report without my knowledge, consent, or any legitimate permissible purpose. I am a victim of repeated and unlawful access to my private credit information, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ) and 604 ( a ) ( 3 ). 
I did not apply for credit, loans, or financing with any of the following institutions. These entities accessed my credit file without authorization, which has caused my credit score to drop and created false impressions of excessive credit-seeking activity. This has directly affected my financial credibility and ability to obtain fair credit terms. 
Wrong Addresses Reporting : XXXX XXXX XXXX, TX XXXX Incorrect address, I have never resided or used this address for any credit-related purpose. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect address being reported falsely, damaging my credit profile and connecting me to inaccurate data. 
These addresses are not associated with me in any way. Their presence on my credit report shows severe reporting negligence, and under the FCRA 604 and 611, any unverifiable or incorrect address must be immediately removed from my file to prevent further identity confusion or mixed credit profiles. 
Inaccurate Account Reporting : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Late Payment Reported This account is being falsely reported with late payments. I have never made any late payments on this account, and this inaccurate reporting has caused my score to drop unfairly. I am demanding the late payment marks to be removed immediately and the account corrected to show Paid As Agreed or Never Late. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6100.00} Late Payment Reported The reported late payment is completely false. I maintained timely payments, and no proof of late activity has ever been provided. I request that you verify with original payment history records. If verifiable evidence can not be provided, this derogatory mark must be deleted immediately under FCRA 611 ( a ). 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payment Reported I never made any late payments on this account. It is being misreported and damaging my payment history. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Late Payment Reported Duplicate and incorrect late payment reporting is occurring under my file. I am requesting validation and correction, as this information is inconsistent and harming my creditworthiness. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Late Payment Reported XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} Late Payment Reported Both of these XXXX accounts are being reported inaccurately. I have never missed any payments under my student loan history, and there is no valid documentation proving delinquency. These false entries are in direct violation of FCRA 623 ( b ), which requires furnishers to investigate disputed information and update or delete unverifiable data. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} Collection I have no knowledge or association with this account. It appears to have been sold or assigned without my consent, and there is no documentation proving that XXXX XXXX XXXX has any right to collect this alleged debt. I am demanding deletion of this item for failure to validate under FDCPA 809 ( b ) and for inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ). 
Unauthorized Credit Inquiries Listed With Dates XXXX XXXX XXXX XXXX XXXX Each of these inquiries was made without my consent and without any permissible purpose as required by federal law. These companies accessed my credit report unlawfully, and as such, each inquiry constitutes a violation of FCRA 604 ( a ) ( 3 ).

Requested Actions from CFPB : 1. Conduct a full investigation into all entities listed above. 2. Require each company to provide signed proof of authorization for cre
dit inquiry.

3. Remove all unauthorized inquiries from my credit reports immediately.

4. Ensure each creditor is held accountable for unlawful access under FCRA 604 ( a ) ( 2 ).

5. Provide me with a written report confirming completion of the investigation and corrective actions. 
If these unauthorized actions are not corrected, I intend to pursue further remedies under FCRA 616 and 617 for damages due to willful and negligent violations. I trust the CFPB will handle this complaint with the seriousness it deserves to protect my consumer rights and privacy.

Company response to consumer: Closed with non-monetary relief