Consumer complaint received 2025-06-24 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: ME

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), including the continued reporting of inaccurate, outdated, and unverified information on my credit report. I have previously attempted to resolve these matters directly with Equifax, but they failed to conduct a reasonable reinvestigation and did not remove or correct the erroneous data. Below is a detailed breakdown of the disputed accounts and inquiries. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> | Balance : {$510000.00} | Issue : Late Payment * * Issue : Equifax is reporting this account with a late payment which is inaccurate. This entry is negatively impacting my creditworthiness and causing undue harm.

Law Cited : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to perform a reasonable reinvestigation upon dispute.

15 U.S. Code 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

Details : Despite having no documentation or evidence to verify the alleged late payment, Equifax continues to report it. I have not received any notice or validation of this delinquency. XXXX has failed to prove the accuracy of the derogatory remark. I request complete deletion of the late payment mark from this account. 
XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> | Balance : {$2100.00} | Issue : Late Payment * * Issue : A late payment is inaccurately reported and remains unverified. 
Law Cited : 15 U.S. Code 1681s-2 ( b ) Furnishers duty to correct and update information.

15 U.S. Code 1681i ( a ) ( 5 ) Failure to delete inaccurate, incomplete, or unverifiable information.

Details : I have disputed this tradeline, yet Equifax has continued to report this as derogatory without any reinvestigation results or proof. There is no valid documentation verifying the late payment. This is reckless and violates my rights under FCRA. 
XXXX. XXXX Inquiry Date : XX/XX/year> Issue : Unauthorized hard inquiry appearing on my report without permissible purpose.

Law Cited : 15 U.S. Code 1681b ( c ) Permissible purpose required for accessing consumer reports.

15 U.S. Code 1681b ( f ) No consumer report shall be obtained without a permissible purpose.

Details : I did not authorize or initiate any credit transaction with XXXX. This inquiry was done without my consent, and I demand its immediate removal from my credit file. This is a violation of my right to privacy under FCRA. 
XXXX. XXXX Inquiry Date : XX/XX/year> Issue : Unauthorized inquiry No consent was given for this pull.

Law Cited : 15 U.S. Code 1681b ( a ) Requirements for permissible purpose.

15 U.S. Code 1681c ( a ) ( 3 ) Unlawful reporting of non-consensual inquiries.

Details : I have never applied for any financial product that would authorize XXXX to access my credit. This unauthorized inquiry is damaging my credit profile and should be removed immediately. 
XXXX. XXXX XXXXnquiry Date : XX/XX/year> Issue : Unauthorized hard inquiry without proper consent or initiation by me. 
Law Cited : 15 U.S. Code 1681b ( f ) Prohibits access to consumer report without consent.

15 U.S. Code 1681n Civil liability for willful noncompliance.

Details : This inquiry is fraudulent and unauthorized. I never had any dealings with XXXX, and their access to my credit file was illegal. This inquiry is harming my credit score and must be removed. 
XXXX. XXXX Inquiry Date : XX/XX/year> Issue : Repeated unauthorized inquiry. 
Law Cited : 15 U.S. Code 1681b ( c ) No inquiries without a permissible purpose. 
15 U.S. Code 1681e ( a ) Consumer reporting agencies must ensure inquiries are lawful. 
Details : XXXX has pulled my credit multiple times without authorization. This activity is suspicious and a potential indicator of identity misuse or error. Equifax must investigate and remove this inquiry immediately. 
XXXX. XXXX XXXX Date : XX/XX/year> Issue : Duplicate unauthorized inquiry. 
Law Cited : 15 U.S. Code 1681b ( f ) 15 U.S. Code 1681n Details : Just like the XX/XX/year> inquiry, this entry from XX/XX/year> was also unauthorized. I never consented to any application or service that would involve XXXX pulling my report. This is a gross violation of my privacy rights. 
Conclusion & Request for Relief : Equifax has consistently violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) by : Failing to maintain accurate information. 
Failing to conduct proper reinvestigations. 
Allowing unauthorized parties to access my credit file. 
These actions have caused significant emotional distress, loss of credit opportunity, and reputational damage. I respectfully request the CFPB to : 1. Initiate a formal investigation into Equifaxs noncompliance.

2. Require Equifax to remove all the above inaccurate tradelines and inquiries from my report.

3. Impose appropriate penalties or sanctions on Equifax for repeated FCRA violations.

Company response to consumer: Closed with non-monetary relief