Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I am submitting a complaint regarding multiple issues on my credit reports that are causing harm and have not been resolved despite my previous disputes. 

1. Unauthorized Credit Inquiries There are several credit inquiries on my reports that I did not authorize or initiate. These inquiries must be removed immediately. The unauthorized inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed a report with the FTC regarding these inquiries, but they have not been removed from my credit reports. 

2. Inaccurate Late Payment Reporting by XXXX  My account with XXXX ( ending in XXXX ) is incorrectly reported as 30 days late on my TransUnion and Experian credit reports. I have never missed or made a late payment on this account. 

I have disputed this with the credit bureaus and the lender, but the late payment information remains without proper verification. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2, which requires furnishers to report accurate information and properly verify disputed data.

15 U.S.C. 1681i, which requires credit bureaus to remove unverifiable or inaccurate information within 30 days of a dispute.

These inaccurate late payments are damaging my credit unfairly, and I am requesting CFPBs help to ensure these are investigated and removed if they can not be verified. 

3. Reappearance of Deleted Accounts Two accounts, XXXX XXXX XXXX and XXXX XXXX XXXX, were previously deleted from my credit reports after being found fraudulent or inaccurate. However, they have been reinserted without my consent or any written notification or verification. 

Under FCRA : 15 U.S.C. 1681c-2 ( a ) prohibits reinserting deleted accounts without proper notice and verification. 

15 U.S.C. 1681i requires credit bureaus and furnishers to conduct reasonable reinvestigations and prohibits reinserting unverifiable or inaccurate information. 

I have received no notification or verification for these accounts being added back, and their reappearance is harming my credit. 

Request for Assistance I am asking the CFPB to : Ensure the immediate removal of all unauthorized credit inquiries listed above. 

Make sure the incorrect late payment reported by XXXX is properly investigated and removed from my credit reports if it can not be verified. 

Ensure the permanent removal of the reinserted XXXX XXXX XXXX and XXXX XXXX XXXX accounts and prevent further unauthorized reinsertion. 

Help ensure my credit reports contain only accurate, verified information in compliance with the Fair Credit Reporting Act. 

Thank you for your help in resolving these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation