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: TX

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because Equifax has failed to properly investigate and correct inaccurate and unauthorized information on my credit report, despite my written dispute under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). These items remain on my file without proper verification, causing significant harm to my creditworthiness and violating federal law. 

The following entries are inaccurate, unverified, or unauthorized : XXXX Account # XXXX High Balance : {$340000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account inaccurately reports late payments. I have never made any late payments to this creditor. Equifax has failed to correct this despite being formally notified. 

XXXX XXXX Account # XXXX High Balance : {$7200.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off I have no knowledge of this account, nor have I authorized or opened it. Equifax has failed to provide verification from the original creditor and continues to report this entry, which is unverified and must be deleted. 

XXXX XXXX XXXX Account # XXXX High Balance : {$13000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off This account is unauthorized and unrecognized. I have never opened or maintained any account with this creditor. Despite my dispute, Equifax continues to report it as valid. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off This appears to be a duplicate or fraudulent account. It is not mine and has not been verified. Equifaxs failure to remove it after being disputed violates the FCRA. 

XXXX XXXX XXXX Dated XX/XX/XXXX This hard inquiry was not authorized by me. Under FCRA 604 ( a ), credit inquiries must have a permissible purpose. This inquiry was made without my consent and must be deleted immediately. 

XXXX Inquiry Dated XX/XX/XXXX This inquiry was also unauthorized, and I did not apply for credit with this entity. Equifax has failed to delete it despite my dispute, violating my rights under FCRA 604 ( a ) and 611 ( a ).

Violation of Federal Law Equifaxs continued reporting of inaccurate, unverified, and unauthorized data constitutes clear violations of the following sections of the Fair Credit Reporting Act : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy of the information reported. 

FCRA 611 ( a ) ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation.

FCRA 604 ( a ) Failure to maintain permissible purpose for inquiries.

Despite my formal written dispute, Equifax either verified these accounts without providing documentation from the original creditors or ignored the inaccuracies altogether. This inaction is unacceptable and unlawful.

Desired Resolution I am requesting that the CFPB compel Equifax to : Delete all unverified, inaccurate, and unauthorized accounts listed above.

Remove all unauthorized hard inquiries. 

Provide a corrected copy of my Equifax credit report. 

Confirm in writing that these deletions and corrections have been completed. 

Ensure full compliance with the Fair Credit Reporting Act. 

These errors have caused me substantial harm, including credit denials and damage to my personal and financial reputation. I request that this matter be investigated promptly and that corrective action be taken against Equifax for their failure to comply with federal law. 

Thank you for your assistance in ensuring that my rights as a consumer are protected under the FCRA.

Company response to consumer: Closed with non-monetary relief