Consumer complaint received 2025-10-09 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: MD

Complaint narrative:
CFPB Complaint Regarding Inaccurate Credit Reporting and Unauthorized Inquiries : I am filing this complaint with CFPB regarding multiple inaccuracies and unauthorized activities on my credit file affecting my ability to obtain credit, causing financial and emotional distress. The following items are disputed for inaccuracy, violation of FCRA ( 15 U.S.C. 1681 ), and unauthorized reporting. Each item below includes account details, law references, and a detailed factual story supporting my dispute. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$360.00} Late Payment This account has been disputed in previous rounds because the alleged late payment being reported is inaccurate, unverifiable, and unsupported by any valid documentation. Under FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 1 ) ( A ), a furnisher may not report data it knows or should know is inaccurate. XXXX XXXX has failed to validate my alleged delinquency with actual evidence such as signed contracts, account ledgers, or billing statements. Reporting unverifiable payment activity violates my right to accuracy under 1681e ( b ) and my right to a fair reinvestigation under 611 ( a ) ( 2 ). I never received notice of any reinsertion or verification, which is also a breach of 611 ( a ) ( 5 ) ( B ). This ongoing false reporting negatively impacts my score and reputation and constitutes defamation of character and reckless disregard for consumer data accuracy. The credit bureau must delete this item unless verified with legitimate proof. Failing to provide verification or written documentation showing my liability is a violation of federal law, and you may be held liable under 1681n and 1681o. I am demanding full deletion of this account and written notice confirming completion of reinvestigation as required by 611 ( a ) ( 6 ) ( B ) ( iii ). 

Inquiry : The following inquiries appearing on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XX/XX/XXXX, XXXX XX/XX/XXXX, and DEPT OF ED XX/XX/XXXX were unauthorized, unverified, and conducted without my consent. I did not apply for credit, loans, or services with any of these entities, nor did I provide permission for them to access my credit report. 

The reporting of these inquiries violates FCRA 604 ( a ) ( 2 ), which restricts access to a consumer report to only permissible purposes, and 611 ( a ) ( 5 ), which mandates deletion of unverifiable or unauthorized information. Repeated reporting of these inquiries without proper verification also breaches 1681e ( b ), which requires maximum possible accuracy in credit reporting. The presence of these unauthorized inquiries negatively impacts my credit score, misrepresents my creditworthiness to potential lenders, and exposes me to financial harm.

I request your assistance in enforcing my rights under FCRA to ensure accurate reporting, deletion of unauthorized inquiries, and correction of all inaccurate items on my credit report. Failure to correct these inaccuracies violates my statutory rights and continues to cause financial and emotional harm. Immediate CFPB action is required to hold the reporting agencies and creditors accountable and to restore accuracy and fairness to my credit profile.

Company response to consumer: Closed with non-monetary relief