Consumer complaint received 2025-08-13 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: AR

Complaint narrative:
I am filing this formal complaint against multiple furnishers and credit reporting agencies for their continued reporting of inaccurate, unverified, and misleading information on my consumer credit reports. Despite my previous disputes, these items remain, causing ongoing financial harm. The following accounts and inquiries are at issue : XXXX XXXX XXXX XXXX, IL XXXX Wrong Address Issue : This is entirely unrelated to me. 
Law : Under 15 U.S.C. 1681i ( a ), agencies must correct or delete unverifiable data.

Story : I have never rented, owned, or maintained any connection with this location. If this address remains, it could cause lenders or employers to deny me based on mistaken associations with individuals who have negative credit histories or criminal records. 
XXXX XXXX XXXX XXXX, IL XXXX Wrong Address Issue : This is an entirely incorrect listing in my file. 
Law : Under 15 U.S.C. 1681c-2, I have the right to demand immediate removal of inaccurate data.

Story : This inaccurate listing may have originated from a file mix-up. Keeping it exposes me to financial risk, as bad debts linked to that address could be wrongly assigned to me. 
XXXX XXXX XX/XX/year> Inquiry Issue : Unauthorized credit pull.

Law : FCRA 604 ( a ) ( 3 ) requires permissible purpose for inquiries.

Story : This appears to be tied to an auto dealership with which I have never initiated contact, applied for financing, or provided personal details. An unauthorized automotive inquiry can indicate that a third party tried to obtain financing using my information without my permission, which is a form of fraud. This creates risk of new accounts being opened fraudulently, harming my credit utilization and payment history. 
XXXX XX/XX/year> Inquiry Issue : Unauthorized credit check.

Law : Under FCRA 615, inquiries without consent are unlawful.

Story : I have no application or account with XXXX XXXX XXXX on this date. Such an inquiry is a violation of my rights under federal law and can mislead future creditors into believing that I have engaged in recent high-risk borrowing activity, which can negatively affect credit approval decisions. 
XXXX XX/XX/year> Inquiry Issue : No business relationship with this company.

Law : FCRA 604 ( f ) prohibits obtaining a consumer report under false pretenses.

Story : I have never had any dealings with this company, nor have I authorized any credit request. This kind of unauthorized inquiry is often linked to identity theft schemes where personal data is used to shop for loans. 
Relief Requested : I request that the CFPB investigate these furnishers and credit reporting agencies for willful violations of FCRA and FDCPA, order the immediate deletion of all unverifiable and duplicate accounts, and ensure removal of all unauthorized hard inquiries. 
These violations have caused significant harm to my creditworthiness, emotional distress, and financial opportunities. I request written confirmation of the actions taken within the statutory period.

Company response to consumer: Closed with non-monetary relief