Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting and unauthorized inquiries on my credit file. My personal information has been misrepresented, and multiple accounts are being reported with errors that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). The inaccuracies on my credit report have caused me significant financial harm, stress, and damage to my creditworthiness. I request immediate reinvestigation of these items, deletion or correction of false information, and confirmation of actions taken by each creditor and credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not associated with me. Its presence on my credit file is false and misleading. Reporting this incorrect address violates FCRA 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. The inclusion of this address has caused multiple creditors to misidentify my residence. This has resulted in accounts being reported incorrectly and unauthorized inquiries being linked to my file. It has caused unnecessary delays in credit applications. It has negatively impacted my credit score and lending opportunities. I have documentation proving this address is not mine. It is essential to maintain accurate contact information under FCRA. The reporting of this address is a direct violation of my rights as a consumer. I demand deletion and correction of this inaccurate information immediately. Continued reporting of this false address causes ongoing harm. I request written confirmation of its removal. I insist the credit bureau complete a full reinvestigation and provide a response within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as late payment with a high balance of {$1900.00}, opened XX/XX/XXXX. I have never missed a payment as reported. This false reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to provide accurate information. The inaccurate late payment has caused a material reduction in my credit score. It has led to difficulty obtaining credit and increased interest rates on existing lines. I have records showing all payments were timely and documented. Reporting this inaccurate information misrepresents my creditworthiness to lenders. The continued presence of this false information is unfair and damaging. I request deletion or correction immediately. Maintaining this inaccuracy after prior disputes demonstrates negligence. The account should be reinvestigated thoroughly and corrected without delay. Immediate action is required to prevent further harm. Failure to correct this will result in CFPB complaints and additional legal remedies. I expect written confirmation once corrected. 

XXXX XXXX XXXX XXXX XXXX  Reported as late payment with high balance {$100000.00}, opened XX/XX/XXXX. I have evidence proving timely payments. Reporting inaccurate payment history violates FCRA 15 U.S.C. 1681s-2 ( b ). This false negative has significantly harmed my credit profile. It has caused higher interest rates and impeded my ability to obtain loans. I have submitted proof of all payments, including receipts and statements. The reporting is misleading and unfair. It affects my creditworthiness and financial opportunities. Continued reporting of this false information constitutes willful noncompliance. I demand removal or correction immediately. This accounts inaccuracy must be reinvestigated fully. The harm caused is substantial, including emotional distress and financial limitation. Correcting this entry is required by law. I expect prompt written confirmation of resolution. 

XXXX XXXX BANK XXXX XXXX Reported late payment, balance {$19000.00}, opened XX/XX/XXXX. All payments were made on time. Reporting this inaccurate late payment violates FCRA 1681i and 1681s-2 ( b ). This false reporting has prevented me from securing new credit and has lowered my credit score. It has caused financial stress and delayed financial planning. Documentation exists proving all payments were timely. Continued reporting of this accounts inaccuracy is unacceptable. It misleads potential lenders and creates a false narrative of my creditworthiness. I demand immediate correction or removal. Failing to reinvestigate this properly is a violation of federal law. This account should be fully reviewed and corrected. Written confirmation of action taken is required. The accounts current reporting is causing ongoing harm and financial difficulty. 

XXXX XX/XX/XXXX Hard inquiry reported without consent. Violates FCRA 1681b ( f ). It harms my credit profile. Misleads lenders and reduces opportunities. Prior disputes were ignored. Deletion is demanded. Written evidence proves lack of authorization. Continued reporting is illegal. It affects credit score and lending opportunities. Removal must be completed immediately. Reinvestigation is required. Written confirmation of action is expected. Harm caused is ongoing. Correction is legally mandated. 

XXXX  XX/XX/XXXX Unauthorized inquiry reported without consent. Violates FCRA 1681b ( f ). Misrepresents my creditworthiness. Affects lenders decisions. Prior disputes ignored. Removal is demanded. Evidence proves no authorization. Continued reporting is unlawful. Damages credit and borrowing opportunities. Reinvestigation is required. Immediate deletion is demanded. Written confirmation of removal must be provided. Failure to correct violates federal law. Harm caused is ongoing. Correction must be completed promptly. 

XXXX XX/XX/XXXX Unauthorized inquiry reported without my consent. Violates FCRA 1681b ( f ). Harms credit profile and misleads lenders. Prior disputes ignored. Immediate deletion required. Written proof confirms lack of authorization. Leaving it is unlawful. Affects credit score and lending opportunities. Reinvestigation demanded. Immediate removal required. Written confirmation expected. False reporting causes ongoing financial harm. Correction is legally mandated. Must be completed without delay. 

XXXX XX/XX/XXXX Unauthorized inquiry, no consent given. Violates FCRA 1681b ( f ). Misrepresents my creditworthiness. Harms financial opportunities. Prior disputes ignored. Immediate deletion required. Evidence proves lack of authorization. Continued reporting is illegal. Affects credit score and lending decisions. Reinvestigation required. Immediate removal demanded. Written confirmation required. False reporting causes ongoing harm. Correction is legally required. Must be completed immediately. 

I am requesting that all disputed items, including the wrong address, inaccurate late payments, and unauthorized inquiry, be fully reinvestigated and corrected immediately. These violations of the FCRA have caused tangible harm to my creditworthiness and personal financial situation. I request formal confirmation of all actions taken to correct these errors, and that the CFPB monitor compliance to ensure my rights are protected under federal law.

Company response to consumer: Closed with non-monetary relief