Consumer complaint received 2025-07-30 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:
To Whom It XXXX Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
UNKNOWN ACCOUNT XXXX XXXX XXXX XXXX  COLLECTION XXXX XXXX LAW : FCRA XXXX ( a ) : Emphasizes the necessity of verified, accurate data on consumer reports. 
FCRA XXXX ( b ) : Credit bureaus must ensure data accuracy. 
FCRA XXXX ( a ) : Consumers have the right to know the source of all information in their file. 
FCRA XXXX ( a ) : Mandates deletion if no verification is provided. 
FDCPA XXXX ( b ) : Requires debt XXXX to validate debts within XXXX  days upon request. 
ISSUE : This collection account is unknown, unverified, and was never authorized by me. 
STORY : I have never been contacted by this creditor or collector. I did not open or authorize any account matching this description. There is no record of notification, no breakdown of charges, and no signed documentation. I consider this entry a potential sign of identity theft or a data entry error. Unless the furnisher provides full validation including signed agreements and detailed account statements, this item must be removed for violating the FCRA and FDCPA. 
XXXX XXXX XX/XX/year> UNAUTHORIZED INQUIRY LAW : FCRA XXXX ( a ) ( XXXX ) : Permits credit inquiries only with permissible purpose and consumer authorization. 
FCRA XXXX ( a ) : Credit reporting agencies must maintain procedures to avoid unauthorized access. 
FCRA XXXX ( a ) : Requires correction or deletion of inaccurate or unauthorized entries. 
ISSUE : No permissible purpose or consumer consent for this XXXX  inquiry. 
STORY : I never applied for any service or credit that would justify XXXX XXXX performing a XXXX  inquiry into my credit file. I was not notified, and no written authorization exists. This is a clear violation of FCRA XXXX ( a ) ( XXXX ), which restricts such inquiries unless initiated or explicitly approved by the consumer. I request immediate removal of this inquiry and full documentation if any authorization is claimed. 
I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation