Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies and unauthorized items on my credit report, including an incorrect address and several charge-off accounts I never authorized. These items violate the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), 1681s-2, 1681n, and 1681o, which guarantee accurate, complete, and verifiable reporting. The false reporting has caused financial harm, emotional distress, and denial of credit opportunities. I request immediate CFPB oversight to ensure reinvestigation, verification, and correction or removal of all inaccurate items. 

ACCOUNTS XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} Date Opened : XX/XX/XXXX I am again disputing the late payment history being reported for this account. I have requested validation and proper documentation, yet none has been provided. FCRA 611 requires a reasonable reinvestigation, which means contacting the furnisher and obtaining verified documentation of every reported delinquency. Continuing to report unverified late payments violates federal law and causes me significant harm, including higher interest rates and loan denials. I am demanding that this account either be updated with full accuracy, including correct dates and amounts, or removed if verification can not be produced. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$150.00} Date Opened : XX/XX/XXXX This account is showing as a charge-off, but I dispute the validity of this status. A charge-off is a serious derogatory mark that should only be reported if fully supported by documentation. I have not received any proper notice of default nor documentation validating this charge-off as required under FCRA and the Equal Credit Opportunity Act. If XXXX XXXX can not provide proof including statements, payment records, and a notice of charge-off, then this item is inaccurate and misleading and must be deleted. Reporting unverifiable charge-offs is a direct violation of FCRA 607 ( b ) and must be corrected immediately. 

XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX This account is reported as a charge-off despite having a {$0.00} balance. This is not only inaccurate but also misleading to future creditors who may assume there is an unpaid debt. If there is no balance owed, there can be no valid charge-off. The FCRA requires complete and accurate reporting, which means either this account must be updated to show a positive status or deleted entirely if the furnisher can not verify the accuracy of this derogatory mark. Please conduct a full reinvestigation and provide me with the results. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and no credit application was made on this date. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a report when there is a legitimate credit transaction or written permission from the consumer. I have not been provided with any signed application or written consent to prove this access was lawful. Reporting this inquiry without verifiable authorization harms my credit profile and violates my right to privacy. I am requesting immediate deletion unless you can produce legally sufficient documentation showing permissible purpose. 

XXXX XXXX XXXX XX/XX/XXXX I have never applied for credit or authorized XXXX  XXXX to pull my credit on this date. Under FCRA 609 ( a ) ( 1 ), I have the right to see who accessed my credit file and why. Since no documentation has been provided, this appears to be an impermissible inquiry. Maintaining this on my report creates an inaccurate representation of my credit-seeking behavior and unfairly impacts my score. Please delete this item or provide proof that I initiated the transaction. 

XXXX XX/XX/XXXX This inquiry does not reflect any legitimate application or request made by me. FCRA 611 ( a ) requires you to reinvestigate disputed information and delete it if it can not be verified. A failure to remove unverifiable information constitutes willful noncompliance under FCRA 616, for which you may be held liable for damages. I am requesting immediate removal of this inquiry if it can not be fully substantiated with evidence of permissible purpose. 

XXXX XX/XX/XXXX This is the second unauthorized inquiry from XXXX in my file. Duplicate or repeated inquiries by the same company without consent raise concerns about possible misuse of my personal data. Under FCRA 602, the purpose of the Act is to protect consumers against inaccurate credit reporting and ensure fairness. I demand you confirm written authorization exists for this access or permanently delete it from my report. 

XXXX XX/XX/XXXX I have no known business relationship with this entity, nor did I authorize a credit pull on this date. FCRA 604 ( a ) is clear that a credit report may not be accessed without a permissible purpose. Continuing to report this inquiry without proof of authorization is a direct violation of federal law and must be corrected immediately. Please delete this inquiry or provide documented evidence that I consented. 

XXXX XX/XX/XXXX I did not apply for credit with XXXX on the stated date and no permissible purpose exists for this inquiry. Under FCRA 607 ( a ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Retaining this unverifiable inquiry damages my credibility and financial standing. I am demanding deletion unless you can provide clear evidence that I gave written consent for this inquiry. 

I respectfully request the CFPB to ensure that all disputed items, including the incorrect address and all unauthorized accounts, are fully reinvestigated, verified, and corrected or removed in compliance with the FCRA. The ongoing reporting of these inaccuracies has caused substantial financial and emotional harm. I request written confirmation of all corrections and monitoring of responsible agencies and creditors.

Company response to consumer: Closed with non-monetary relief