Consumer complaint received 2025-08-08 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: WA

Complaint narrative:
b'To the Consumer Financial Protection Bureau (CFPB), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with the bureaus, they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXXAW: Under the FCRA Section 609(c)(2)(A), I have the right to request the source and accuracy of any personal information reportedXXXXISSUE: This address is inaccurately linked to my file and does not belong to me.XXXXSTORY: I have never resided at or used this address in any capacity. Reporting this location is creating confusion and misidentification. Please delete this address from my credit file.XXXX XXXX XXXX XXXX XXXX IA XXXXLAW: FCRA Section 609(a)(1) gives me the right to know the details of any information reported.XXXXISSUE: This address is unverified and invalid on my credit report.\XXXXSTORY: This address was never provided by me and is not relevant to my file. Please delete this information promptly.XXXX XXXX XXXX  Date OpenedXXXX XXXX Balance Owed: XXXX Late PaymentXXXXLAW: FCRA Section 611 and Section 609 guarantee my right to dispute and request verificationXXXXISSUE: This account is reporting late payments I do not acknowledge.\XXXXSTORY: I was not late on this account and no proper notification or documentation was ever sent to me. Please reinvestigate and remove these inaccurate late paymentsXXXXACCOUNTXXXX XXXX XXXXXXXX Date OpenedXXXX XXXX Balance Owed: XXXX  Late PaymentXXXXLAW: FCRA Section 602A mandates fair and accurate credit reportingXXXXISSUE: This account has reported incorrect late payment dataXXXXSTORY: I have records showing on-time payments or no communication at all regarding delinquencies. Please investigate and correct or delete the reporting.\XXXXACCOUNT\XXXX XXXX XXXX Date Opened: XXXX  Balance OwedXXXX XXXX Late Payment\XXXXLAW: Under FCRA Section 611, I have the right to dispute and request verification of account details.XXXXISSUE: Late payment status appears to be in error.XXXXSTORY: I dispute the timeliness and balance reporting of this account. I request full documentation or deletion from my report.\XXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Late PaymentXXXXLAW: FCRA Section 607(b) and 611 require accuracy and validation.\XXXXISSUE: A late payment is shown on a closed/paid account.\XXXXSTORY: This account is closed with a XXXX balance. Reporting a late payment post-closure is inaccurate and must be corrected or deleted.XXXX XXXX Date Opened: XXXX Balance Owed: XXXX   Late PaymentXXXXLAW: FCRA 607(b) ensures credit data must be complete and accurate.\XXXXISSUE: Late payment reporting is incorrect.\XXXXSTORY: I dispute the accuracy of this late mark. Please remove it unless the furnishers can provide full proof and consent records.\XXXX XXXX XXXXLAW: FCRA violation for unauthorized accessXXXXnISSUE: This inquiry is invalid.XXXXSTORY: I did not give consent or make any credit inquiry here.XXXX XXXXLAW: Section 604 FCRA applies.XXXXISSUE: Unauthorized hard inquiry.\XXXXSTORY: I never gave permission. Please removeXXXX XXXXLAW: FCRA violation  no permissible purposeXXXXISSUE: Unauthorized inquiry.\nSTORY: No consent, no application submitted. Please remove.\XXXX XXXXLAW: Section 604  requires consumer initiation.XXXXISSUE: Invalid inquiry.\nSTORY: I never authorized this company to access my report.XXXX XXXX XXXXLAW: FCRA standards were not met.XXXXISSUE: Inquiry lacks legal basis.\nSTORY: I never agreed to this inquiry. Please remove.XXXX XXXXLAW: FCRA Section 604 mandates prior authorization.XXXXISSUE: I never applied through or gave consent to Carmax.XXXXSTORY: Please remove this inquiry immediately for lack of permissible purpose.XXXXI am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from all credit bureau reports. These issues are damaging my credit score, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.'

Company response to consumer: Closed with non-monetary relief