Consumer complaint received 2025-10-03 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: AZ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and misleading accounts reporting on my credit report associated with my address at XXXX XXXX XXXX  XXXX, CA XXXX. These accounts are harming my creditworthiness, creating undue stress, and appear to violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting immediate investigation and correction of these accounts. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX This is an invalid and non-existent address that has never been associated with me. Reporting it violates FCRA 1681e ( b ) and misrepresents my residency history. No accounts or activity are linked to me here and I have never received any mail. Verification under FCRA 1681i ( a ) is impossible and maintaining this entry is materially misleading. It may impact loan approvals, creditworthiness, and personal reputation. I dispute it in full and demand immediate removal. 

XXXX XXXX XXXX  XXXX, CA XXXX This address is not mine and has no accounts or history linked to me. Reporting it violates FCRA 1681e ( b ) and may mislead lenders. I have never received mail here and never authorized reporting of this address. Verification under FCRA 1681i ( a ) is required and if unverifiable, it must be removed. Maintaining this entry harms my credit profile and may prevent loan approvals. I dispute it fully and demand immediate correction. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$310.00}. I dispute this late payment because I have never been properly notified of any delinquency. No verification has been provided, which violates FCRA 1681i ( a ) and it is materially misleading under 1681e ( b ). This reporting harms my credit score and prevents me from obtaining loans. There is no signed agreement proving my liability and maintaining this entry is illegal if unverifiable. I request immediate deletion if verification can not be provided. Its presence damages me financially and reputationally and affects my ability to open credit accounts. I dispute this account entirely, demand full investigation, and require immediate correction under the law. 

Inquiries : XXXX XXXX XX/XX/XXXX. I never applied for credit with XXXX and this inquiry was unauthorized. Reporting it violates FCRA 1681b ( f ). Its presence harms my creditworthiness and misleads lenders. I dispute it fully. Verification is required, and if unauthorized, it must be deleted immediately. Maintaining this inquiry is materially misleading and illegal. It misrepresents my credit history. Immediate removal and written confirmation are required. This entry affects my ability to obtain future credit. Continued reporting violates federal law. 

XXXX XXXX XXXX XXXX XX/XX/XXXX. I never applied for credit with XXXX XXXX XXXX and this inquiry was unauthorized. Reporting it violates FCRA 1681b ( f ). Its presence harms my credit profile and misleads lenders. I dispute it fully. Verification is required, and if no authorization exists, it must be deleted. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. Immediate removal and written confirmation are required. This entry negatively affects my ability to obtain credit. Continued reporting violates federal law. 

XXXX XXXX XX/XX/XXXX. I never applied for credit with XXXX and this inquiry was unauthorized. Reporting it violates FCRA 1681b ( f ). Its presence harms my creditworthiness and misleads lenders. I dispute it fully. Verification is required, and if unauthorized, deletion is mandatory. Maintaining this inquiry is materially misleading and illegal. It misrepresents my credit activity. Immediate removal and written confirmation are required. This entry negatively impacts my ability to obtain credit. Continued reporting violates federal law. 

XXXX XXXX XX/XX/XXXX. I never applied for credit with XXXX and this inquiry was unauthorized. Reporting it violates FCRA 1681b ( f ). Its presence harms my credit score and misleads lenders. I dispute it fully. Verification is required, and if none exists, deletion is mandatory. Maintaining this inquiry is materially misleading and illegal. It misrepresents my credit activity. Immediate removal and written confirmation are required. This entry negatively affects my ability to obtain credit. Continued reporting violates federal law. 

XXXX XXXX XX/XX/XXXX. I never applied for credit with XXXX and this inquiry was unauthorized. Reporting it violates FCRA 1681b ( f ). Its presence harms my credit profile and misleads lenders. I dispute it fully. Verification is required, and if no authorization exists, it must be deleted immediately. Maintaining this inquiry is materially misleading and illegal. It misrepresents my credit activity. Immediate removal and written confirmation are required. This entry negatively affects my ability to obtain credit. Continued reporting violates federal law.

All accounts listed above are inaccurate, unauthorized, or improperly reported, violating multiple consumer protection laws including FCRA accuracy and dispute requirements, as well as FDCPA prohibitions on unfair or deceptive collection practices. The cumulative effect of these accounts is materially damaging my creditworthiness. I request CFPB enforcement and monitoring to ensure these items are fully reinvestigated, corrected, or deleted as appropriate and to prevent any future inaccurate reporting by these creditors. Immediate CFPB attention and action are necessary to resolve these violations and restore my consumer rights.

Company response to consumer: Closed with non-monetary relief