Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and the listed furnishers for willful violations of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b, 1681c-2, 1681e ( b ), 1681i, and 1681n, due to the continued reporting of inaccurate personal information, fraudulent inquiries, unauthorized accounts, and false derogatory data on my consumer reports. 
All items listed below are inaccurate, unauthorized, and were reported without permissible purpose. They must be deleted immediately under federal law. 

I. INACCURATE PERSONAL INFORMATION MUST BE DELETED IMMEDIATELY Incorrect Addresses The following addresses are not mine, never belonged to me, and their presence on my report constitutes a serious violation of FCRA 1681e ( b ) ( failure to maintain accurate records ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Incorrect Employers These employers are not mine and must be removed under FCRA 1681e ( b ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( inaccurate listing ) Incorrect Name Incorrect Name : XXXX XXXX XXXX This is not my legal name , and reporting it is a direct violation of FCRA 607 ( b ).

Incorrect Date of Birth Incorrect DOB : XXXX This false information is a major identity violation and must be deleted under FCRA 1681e ( b ).

II. UNAUTHORIZED / FRAUDULENT HARD INQUIRIES These companies did NOT have my written permission nor a permissible purpose under 15 U.S.C. 1681b.

Each is in willful violation of 15 U.S.C. 1681n and must be deleted under 15 U.S.C. 1681c-2 within 4 days. 

Fraudulent Inquiries ( All MUST Be Removed ) : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Previously Reported Unauthorized Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX All inquiries above are fraudulent, unauthorized, and must be permanently deleted. 
III. UNAUTHORIZED & INACCURATE ACCOUNTS MUST BE REMOVED Unauthorized / Fraudulent Accounts XXXX XXXXXXXX XXXX Unauthorized account reported without my consent Violation of FCRA 1681b & 1681n.

Billing Error Must Be Corrected Under 15 U.S.C. 1666B XXXX XXXX This account was paid as agreed and never late. 
The late payment reporting is entirely false and must be updated to : Paid as Agreed Never Late. 

Identity Theft / Unauthorized Reporting Must Be Deleted XXXX XXXX XXXX XXXX I never authorized the reporting of this account. 
This is a violation of 15 U.S.C. 1681b ( no permissible purpose ) and constitutes identity theft. 
This account must be deleted immediately.

Company response to consumer: Closed with explanation