Consumer complaint received 2025-07-16 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 formal complaint against the credit reporting agencies for failing to ensure accurate, complete, and verifiable reporting of my personal credit file. I have identified multiple inaccurate data entries, including a wrong address, incorrect late payment notations on accounts, and unauthorized or unverified hard inquiries, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ), 604, 605, 607 ( B ), and 611. I have tried to resolve these issues directly with the credit bureaus without success, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and compel the credit bureaus and furnishers to correct or delete the inaccurate data. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$120.00} Late Payment XXXX XXXX  Law Violation : FCRA 1681s-2 ( a ), 1681i Issue : Inaccurate late payment reporting without proper verification Story : I made all payments on time and never received a valid notice of delinquency, yet this entry wrongly marks me as late Instruction : Delete or correct this late payment entry through a proper reinvestigation under FCRA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$530.00} Late Payment XXXX XXXX Law Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681i Issue : Late payment is falsely reported and unverified Story : No accurate documentation has been presented to support this late status, which I dispute Instruction : Immediately investigate and remove this erroneous late XXXX XXXX XX/XX/year> Inquiries Law Violation : FCRA 1681b Issue : No valid basis for inquiry under federal law Story : I do not recognize this company or this credit check Instruction : Delete immediately and confirm compliance XXXX  XX/XX/year> Inquiries Law Violation : FCRA 1681b Issue : Inquiry was unauthorized and improperly placed Story : I never provided consent to this creditor Instruction : Remove from my credit file and document the investigation XXXX XXXX  XX/XX/year> Inquiries Law Violation : FCRA 1681b Issue : No permissible purpose for accessing my report Story : I have never done business with this company Instruction : Delete and provide proof of reinvestigation XXXX  XX/XX/year> Inquiries Law Violation : FCRA 1681b Issue : Duplicate and unauthorized inquiry Story : I did not apply for any services with this institution Instruction : Remove and update my report accordingly XXXX  XX/XX/year> Inquiries Law Violation : FCRA 1681b Issue : Inquiry was unauthorized and harmful to my score Story : I had no dealings with this creditor Instruction : Delete this inquiry and confirm reinvestigation outcome XXXX  XXXX XXXX XX/XX/year> Inquiries Law Violation : FCRA 1681b Issue : Unverified inquiry made without my approval Story : I never permitted this pull of my credit Instruction : Remove this entry immediately I am requesting a full investigation by the CFPB into the inaccuracies listed above. I demand that the credit reporting agencies either provide verified documentation supporting these accounts, inquiries, and address as accurate or delete them completely from my credit file. If no proof is provided within the required time period as per FCRA Section 611 ( a ) ( 1 ) ( A ), I expect immediate deletion. These errors have caused me serious financial and emotional distress. I request that the CFPB hold the responsible data furnishers and credit bureaus accountable and ensure these violations are corrected without delay.

Company response to consumer: Closed with explanation