Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and unauthorized items that are currently appearing on my credit report. These include an address that does not belong to me, a late payment on a paid account, a questionable charge-off, and several hard inquiries made without my knowledge or consent. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and they are causing measurable harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in ensuring a full reinvestigation and appropriate resolution of these violations. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law & Issue : This address is being inaccurately reported on my credit file and does not belong to me. Reporting a wrong address violates 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete files. 
Story : I have never resided at or used this address. Its presence on my report may be the result of mixed files or identity confusion. This false listing is affecting my credit eligibility and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law & Issue : Reporting a late payment on a {$0.00} balance account is inaccurate and misleading. Under 15 U.S. Code 1681i ( a ), I have the right to dispute incomplete or incorrect information and request a reinvestigation.

Story : This account was paid and closed in good standing, and no delinquency should be reported. The presence of a late payment misrepresents my payment history and harms my creditworthiness. I demand full deletion or correction of the derogatory mark.

XXXX XXXX  XXXX XX/XX/XXXX Inquiry Law & Issue : This hard inquiry was made without my knowledge or consent and violates 15 U.S. Code 1681b ( c ). 
Story : I did not authorize this inquiry, nor did I initiate any application with this lender on the date in question. This inquiry must be removed. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiry Law & Issue : Unverified and unauthorized inquiry violates 15 U.S. Code 1681b ( c ). 
Story : I never applied for credit or financing with this company. This inquiry was not permitted and is harming my credit profile. 

XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX Inquiries Law & Issue : Dual inquiries without consent are in violation of 15 U.S. Code 1681b. 
Story : These back-to-back inquiries were never approved by me. I suspect misuse or clerical error and request removal. 

XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX Inquiries Law & Issue : These inquiries are unauthorized and breach FCRA 15 U.S. Code 1681b ( c ). 
Story : I did not engage with XXXX XXXX at any point. No permission was granted to access my credit file. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry Law & Issue : Violation of FCRA 15 U.S. Code 1681b due to unauthorized access. 
Story : I never initiated contact or gave authorization to this company. Please remove this inquiry. 

XXXX XXXX XX/XX/XXXX Inquiry Law & Issue : Unlawful inquiry per 15 U.S. Code 1681b ( c ).

Story : I have no affiliation with XXXX XXXX and never permitted a credit check. This inquiry must be deleted. 

XXXX XXXX XX/XX/XXXX Inquiry Law & Issue : Unauthorized credit pull under 15 U.S. Code 1681b. 
Story : I did not apply for any XXXX XXXX, and no credit transaction was initiated by me. This is a clear error or fraud. 

XXXX XXXX XXXX  XX/XX/XXXX Inquiry Law & Issue : Inquiry lacks permissible purpose under FCRA 15 U.S. Code 1681b. 
Story : I have no relation or application with this lender. The inquiry is not valid and must be removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries Law & Issue : Multiple inquiries without authorization violate FCRA 15 U.S. Code 1681b. 
Story : I did not submit any loan application or permit any inquiry to this lender. These are invalid and should be deleted. 

XXXX XXXX  XX/XX/XXXX Inquiry Law & Issue : Inquiry conducted without permissible purpose breaches 15 U.S. Code 1681b ( c ).

Story : I never sought credit from XXXX XXXX. This inquiry is unauthorized and damaging to my credit profile. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law & Issue : Unverified inquiry in violation of 15 U.S. Code 1681b. 
Story : No credit transaction was initiated with this institution. The credit bureau must remove this item. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law & Issue : No authorization was given for this inquiry violation of FCRA 15 U.S. Code 1681b. 
Story : I did not apply or initiate any financial transaction with this lender. This inquiry is not mine. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Law & Issue : Unauthorized access of my credit report violates federal law under 15 U.S. Code 1681b. 
Story : I did not authorize this pull. This negatively impacts my credit score and must be deleted. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & Issue : This hard inquiry was done without my permission, violating 15 U.S. Code 1681b ( c ). 
Story : I have no dealings with XXXX XXXX XXXX XXXX. This is a false and harmful entry. 

XXXX XXXX XX/XX/XXXX Inquiry Law & Issue : Inquiry lacks proper consent and violates 15 U.S. Code 1681b. 
Story : I never submitted any credit request to XXXX XXXX. This must be investigated and removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law & Issue : Inquiry is unauthorized and violates FCRA 15 U.S. Code 1681b. 
Story : This inquiry was done without any legitimate purpose or my consent. It is a detriment to my report and must be removed. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law & Issue : XXXX 's inquiry was not authorized and thus breaches FCRA law 15 U.S. Code 1681b. 
Story : I did not apply for a XXXX card on or around this date. This inquiry is damaging and false. 

Pursuant to my rights under FCRA 611 ( a ), I am requesting that the credit reporting agencies and data furnishers involved provide documented proof of accuracy, validity, and permissible purpose for each item listed in this complaint. If no such verification is provided within the required timeframe, I am requesting immediate removal of the disputed items from my credit report. These entries are materially inaccurate and are being reported in violation of federal law. I respectfully ask the CFPB to take appropriate action to ensure compliance and accountability, and to help restore the integrity of my consumer credit file. Please confirm receipt of this complaint and provide me with the results of any actions taken.

Company response to consumer: Closed with explanation