Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Late Payment Law : FCRA Section 602 and 607 ( b ) require accurate reporting, and Section 611 requires deletion of unverifiable data. 
Issue : This account is showing late payments that I dispute as inaccurate and unverifiable. 
Story : I have never received documentation confirming the accuracy of these late payments. If the creditor can not provide clear and complete records, then reporting this account with negative marks is unlawful under the FCRA. This continued misreporting is lowering my credit score, blocking financial opportunities, and unfairly labeling me as a higher-risk borrower. The harm from this unverifiable data goes beyond numbersit directly affects my financial stability, my ability to rent or buy a home, and my access to fair credit. 
Instruction : Please conduct a reinvestigation and delete the inaccurate late payment history if it can not be fully verified. 

Inquiry Disputes XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) states that a permissible purpose must exist for an inquiry. FCRA Section 611 requires unverifiable inquiries to be removed. 
Issue : This inquiry was not authorized by me and has no permissible purpose. 
Story : I did not apply for credit with this company, nor did I give them permission to access my credit report. Every inquiry lowers my score and signals to lenders that I may be seeking new credit, which makes me appear riskier as a borrower. An unauthorized inquiry is not only harmful but also a red flag for potential fraud or misuse of my personal information. 
Instruction : Please remove this unauthorized inquiry. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief