Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the credit reporting agencies and the following data furnishers for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. concerning inaccurate personal information, false late payment reporting, and unauthorized hard inquiries appearing on my credit report. These inaccuracies have caused significant damage to my credit reputation, emotional distress, and financial hardship.

INCORRECT PERSONAL INFORMATION WRONG ADDRESSES The following addresses listed on my credit report are completely inaccurate and have no association with me. I have never lived, received mail, nor had any financial accounts connected to these addresses. Their appearance on my credit report is a serious violation of data accuracy under FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in credit files. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address These addresses must be immediately deleted from my credit profile as they are clearly inaccurate and unrelated to me or my personal history. 
ACCOUNT DISPUTES LATE PAYMENT REPORTING ERRORS XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$720.00} * * I am disputing the reported late payment on this account. I have never missed or failed to make timely payments on this account. Reporting me as late is inaccurate and misleading. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to provide information that is complete and accurate. I demand that this late payment status be investigated and corrected immediately to reflect a perfect payment history. 
XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$600.00} * * This account has been incorrectly reported as late. I have maintained consistent on-time payments, and there has been no instance of delinquency. This false reporting negatively affects my creditworthiness and is a clear violation of FCRA 611 ( a ) which ensures my right to dispute inaccurate information. I am requesting a reinvestigation and correction of this payment history to show paid as agreed, never late.

UNAUTHORIZED OR EXCESSIVE HARD INQUIRIES The following inquiries were conducted without my full consent or legitimate business need, which violates FCRA 604 ( a ) ( 3 ). Unverified or unauthorized inquiries must be removed from my credit report immediately. Each inquiry listed below has no permissible purpose and is damaging my credit score unfairly : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry XXXX XX/XX/XXXX Unauthorized Inquiry I did not grant authorization to these entities for any credit application or approval process. These inquiries are causing unnecessary harm to my credit profile and must be deleted immediately. 
REQUEST FOR INVESTIGATION AND REMEDY I have already submitted disputes to the credit reporting agencies requesting correction and deletion of the above inaccuracies. However, the results have been incomplete, unverified, or ignored. Therefore, I am now requesting that the Consumer Financial Protection Bureau : Investigate these violations of the FCRA by the credit bureaus and furnishers. 
Require the immediate deletion of all wrong addresses, false late payment entries, and unauthorized inquiries. 
Ensure these furnishers provide verifiable evidence before any data is reinserted. 
Monitor these entities for systemic reporting violations that may affect other consumers.

LEGAL RIGHTS AND EXPECTED ACTION Under FCRA 611 ( a ), I have the right to dispute and demand reinvestigation of any inaccurate information. If the data can not be verified, it must be deleted. If these errors remain, it represents willful noncompliance subject to statutory and punitive damages. I am requesting confirmation from CFPB that an investigation will be opened regarding these violations. 
Enclosures : Copy of credit report showing disputed accounts and inquiries Copy of identification and proof of current address

Company response to consumer: Closed with non-monetary relief