Consumer complaint received 2025-11-05 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate and unauthorized information appearing on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These errors have severely impacted my creditworthiness, and I am requesting an immediate investigation and corrective action by the Consumer Financial Protection Bureau. 

XXXX XXXXXX/XX/XXXXLate Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$310.00} This account reflects a late payment that is false, unverifiable, and harmful to my credit profile. The furnisher failed to provide documented evidence or contractual proof supporting any delinquency as required by FCRA XXXX ( b ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Reporting unverifiable data after a dispute violates XXXX ( b ), which mandates maximum possible accuracy, and FDCPA XXXX ( XXXX ) prohibiting false credit reporting. Continuing to report this information without validation constitutes negligent noncompliance under XXXX and XXXX. I am requesting immediate correction or permanent deletion of this record. 

XXXX XX/XX/XXXX This company performed an unauthorized credit inquiry without permissible purpose, violating FCRA XXXX ( a ) ( XXXX ) and XXXX ( f ). I did not provide consent or initiate any credit-related transaction with this entity. Accessing and reporting my credit data without proper authorization is a breach of consumer privacy and violates XXXX ( b ) for failing to ensure accuracy and compliance. I demand deletion of this unverified inquiry immediately. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was conducted without my consent or a valid credit application. Under FCRA XXXX ( a ) ( XXXX ), a consumer report may only be obtained for a permissible purpose, which does not apply here. Continuing to display this inquiry after my first dispute violates XXXX ( a ) ( XXXX ) ( A ) for failure to delete unverified information and XXXX for negligent noncompliance. Please delete this inquiry permanently. 

XXXX XX/XX/XXXX This inquiry has no legal basis or verified authorization under FCRA XXXX ( a ). I never initiated contact or authorized this company to access my consumer report. Reporting this unverified inquiry after notice of dispute violates XXXX ( b ) for lack of maximum accuracy and XXXX ( a ) ( XXXX ) ( A ) for failure to conduct a proper reinvestigation. I am demanding its immediate removal from my credit file. 

XXXX XX/XX/XXXX This company accessed my report without consent or permissible purpose, directly violating FCRA XXXX XXXX a ) ( XXXX ). No signed application, written request, or transaction exists linking me to this entity. The continued appearance of this inquiry is unlawful under XXXX ( b ) and XXXX ( a ). I request deletion of this unauthorized access immediately to prevent further harm to my credit integrity. 

XX/XX/XXXXXX/XX/XXXX This inquiry is unauthorized, unverified, and conducted without my knowledge. Under FCRA XXXX ( f ), no entity may obtain a consumer report without a permissible purpose, and none has been established in this case. Keeping this inquiry on file violates XXXX ( a ) ( XXXX ) ( A ) and XXXX for negligent noncompliance. I am demanding its immediate deletion. 
I request the Consumer Financial Protection Bureau to compel the furnishers and reporting agencies to perform a full reinvestigation, provide verifiable proof of the reported data, or delete the inaccurate and unauthorized items. I expect this matter to be handled promptly in accordance with federal law to restore the integrity of my credit file.

Company response to consumer: Closed with non-monetary relief