Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this formal complaint regarding multiple inaccurate, unauthorized, and misleading items reporting on my credit report, which are severely damaging my creditworthiness and causing me significant financial harm. Despite my attempts to resolve these matters with the credit reporting agencies and furnishers, these errors persist. I request immediate intervention and enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$5100.00} Late Payment I strongly dispute the late payment being reported on this account. Under FCRA 15 U.S.C 1681i, if any information is incomplete or inaccurate, the credit bureau must correct or delete it. I have consistently made timely payments, and any late reporting is either in error or caused by internal misreporting. This false derogatory mark is unjustly affecting my credit profile and financial credibility. I demand this account be reinvestigated with original payment history and corrected. The presence of this error is not only damaging but constitutes negligent data handling. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} Late Payment I am disputing the reported late payment on this account. This account had payment arrangements in place and any late mark violates the original terms agreed upon. As per FCRA 1681s-2 ( a ) ( 1 ) ( B ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. Moreover, as a consumer I was never notified or warned of potential delinquency in the proper manner, as required by law. This inaccurate information is harmful and must be rectified. 
XXXX XXXX XX/XX/XXXX XXXX This hard inquiry was made without my consent or authorization. I did not apply for any credit or authorize XXXX XXXX to access my credit report on that date. Under FCRA 604, access to a consumer report requires permissible purpose. Any inquiry without my initiation or consent is a violation. This constitutes an unauthorized pull and should be removed immediately as it is affecting my credit score without justification. 
XXXX XX/XX/XXXX Inquiry I did not give permission to XXXX to perform a hard inquiry on my credit profile. I never submitted any application or request for credit with them. This is a direct violation of FCRA 604 ( a ) ( 3 ), which outlines permissible purposes for accessing credit reports. This inquiry is damaging and unlawful and must be removed from my record. 
XXXX XX/XX/XXXX XXXX This credit pull is unauthorized. I have no existing relationship with XXXX  nor did I initiate any credit request on the date mentioned. According to FCRA 604, inquiries must have a lawful and legitimate reason. Since no such reason exists in this case, I request immediate deletion. 
XXXX XX/XX/XXXX XXXX I am disputing this inquiry as unauthorized. I did not authorize XXXX XXXX or any of its affiliates to access my credit file. This type of inquiry without my consent violates FCRA laws and directly harms my credit profile. 
XXXX XX/XX/XXXX XXXX I did not apply for any credit with XXXX XXXX on this date, and therefore did not authorize any inquiry. This is either fraudulent or misattributed to my profile. I request its immediate deletion as per FCRA 604.

I request the CFPB to investigate these violations of the FCRA, ensure correction or deletion of all inaccurate information, enforce compliance with consumer protection laws, and provide remedies for the damages caused. 
Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with non-monetary relief