Consumer complaint received 2025-07-19 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: NV

Complaint narrative:
I am submitting this complaint against Equifax for reporting inaccurate, unverifiable, and unauthorized items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my direct disputes with Equifax, they have failed to investigate and correct these harmful entries. Below is a list of the disputed items, the legal violations, and my explanation for why these items are unlawful and must be removed. 

XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$590.00} | Status : Collection Issue : Unverified and invalid collection account Law Violated : FCRA 611 ( a ) ; FCRA 607 ( b ) ; FDCPA 809 ( b ) Story : I have no knowledge of this debt, was never contacted by the debt collector, and was never given an opportunity to validate or dispute the account as required by FDCPA 809 ( b ). The debt was reported without any prior communication, documentation, or validation. Equifax has continued reporting this unverifiable collection even after my dispute, violating my rights under FCRA 611 ( a ) ( failure to reinvestigate ) and 607 ( b ) ( failure to ensure accuracy ). This collection must be deleted. 

XXXX. XXXX XXXX, XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment Issue : Inaccurate and misleading late payment reporting Law Violated : FCRA 605 ( a ) ; FCRA 607 ( b ) ; FCRA 611 ( a ) Story : This account reports a late payment despite having a XXXX balance and no open obligation. Reporting a late payment on a {$0.00} balance account is misleading and misrepresents my payment history. This entry causes unjust damage to my score and fails to meet the maximum accuracy standard under FCRA. I have never missed a payment, and I demand deletion of this derogatory entry that serves no legal or reporting purpose.

Unauthorized Hard Inquiries The following inquiries were made without my consent, without permissible purpose, and without a credit application initiated by me. These inquiries violate my rights to privacy and accuracy under the FCRA. 

XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Law Violated : FCRA 604 ( a ) ( 3 ) ; 611 Story : I never applied for credit with this lender and never gave authorization to access my credit report. No permissible purpose existed, and Equifax failed to remove it after dispute. 

XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Law Violated : FCRA 604 ( a ) ; 607 ( b ) Story : This dealership made a hard inquiry on my credit without any application, contact, or consent from me. I did not authorize this, and Equifax has failed to provide any verification. 

XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Law Violated : FCRA 604 ( a ) ( 3 ) ; 611 Story : I have no relationship with this dealership and did not give permission for any credit pull. I never authorized this inquiry and am requesting its immediate removal.

What would be a fair resolution to this issue? 
Permanent deletion of the unverifiable collection account from XXXX XXXX XXXX. 

Correction and removal of the inaccurate late payment from XXXX XXXX, XXXX. 

Immediate removal of all unauthorized hard inquiries listed above from my Equifax credit report.

A full reinvestigation by Equifax in compliance with FCRA 611. 

Regulatory action and oversight by the CFPB to ensure Equifax does not continue to violate consumers rights.

I have attached a copy of my ID, proof of address, and any relevant documentation to support my claims. I respectfully ask the CFPB to investigate this matter and ensure Equifax complies with federal law.

Company response to consumer: Closed with explanation