Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
I am submitting this complaint to the CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$6900.00} This account is reporting late payments that are inaccurate and unverified. Despite my first dispute, no documentation has been supplied to prove the accuracy of these late payments. Under FCRA 611, credit bureaus must remove unverifiable information from a consumers report. By continuing to report late payments without furnishing original signed documents or payment history, you are violating federal law and misrepresenting my financial history. These late payment claims damage my creditworthiness by suggesting delinquency where none exists. They mislead potential lenders and creditors who rely on this report for decision making. The FCRA requires accuracy and fairness, but keeping unverifiable derogatory data is both negligent and unlawful. This account should either be corrected with full documentation or permanently removed from my file. If the information can not be 100 % validated with original source records, then the bureau has no legal authority to keep it. I demand a thorough reinvestigation and deletion of this account if validation is not possible. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$4000.00} This second account is also reporting inaccurate late payments. I previously challenged this information, yet you failed to provide any validation or supporting documentation. According to the FCRA, when a consumer disputes an item, the bureau must verify it with reliable evidence from the furnisher or delete it entirely. No such evidence has been provided, which means the continued reporting of this account is a violation of my rights. These late payment notations harm my credit by creating the false appearance of poor payment history. They lower my score, limit my financial opportunities, and mislead anyone reviewing my credit report. Under FCRA 609 and 611, I have the right to request verification, and the bureau has a duty to ensure accuracy. Without full proof from the original creditor showing I was late, this entry can not be legally reported. Keeping unverifiable late payments on my file is unlawful, misleading, and damaging. I demand a full reinvestigation, and if you can not validate with complete records, this account must be deleted from my credit report immediately. 

INQUIRIES XXXX XXXXXX/XX/XXXX This inquiry was never authorized by me and has no permissible purpose. I did not apply for credit with this company, and its presence lowers my score while misleading creditors about my activity. Keeping this inquiry violates my rights under federal law, and I demand removal. 

XXXX XX/XX/XXXX This is a duplicate inquiry related to XXXX, also unauthorized. Duplicate and unverifiable entries compound the damage by lowering my score further and making my profile look riskier than it is. This violates both accuracy and permissible purpose standards under the FCRA. I demand deletion. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry tied to XXXX XXXX XXXX XXXX is also unauthorized. Multiple entries from the same company make my report appear unreliable and inaccurate. No documentation or proof has been provided to justify this inquiry. It must be deleted immediately to comply with the law. 

XXXX XX/XX/XXXX This inquiry was never initiated by me and was placed without my consent. It falsely suggests that I sought vehicle financing when I did not. Reporting this inquiry is a violation of the FCRA, as no permissible purpose exists. Its presence lowers my credit score and damages my financial profile. I demand deletion without delay. 

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

Company response to consumer: Closed with explanation