Consumer complaint received 2025-08-12 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: ME

Complaint narrative:
I am submitting this complaint because Equifax is knowingly continuing to report inaccurate, false, and unauthorized information on my credit report despite my repeated disputes. This conduct violates several provisions of the Fair Credit Reporting Act ( FCRA ), including XXXX ( b ) ( failure to ensure accuracy ), XXXX ( a ) ( failure to conduct reasonable reinvestigation ), and XXXX ( a ) ( allowing unauthorized access to my credit file ). 

XXXX of the most damaging accounts being falsely reported is XXXX XXXXXXXX XXXX XXXX, Date Opened : XX/XX/year>, XXXX : {$510000.00} XXXX XXXX showing a late payment. I have never been late on my mortgage, and I have submitted payment confirmations and bank statements to prove it. Equifax has failed to provide any documentary proof from XXXX verifying this alleged late payment. Instead, they have allowed this false entry to remain, which has lowered my credit score, triggered loan denials, and increased my borrowing costs. Under FCRA XXXX ( a ) ( XXXX ) ( A ), any unverifiable information must be deleted, yet Equifax has ignored its legal obligation. 

Another inaccurate entry is XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year>, XXXX : {$1700.00} XXXX XXXX also showing a false late payment. My records show timely payments, and no proof of delinquency has been provided. Equifax is knowingly reporting false data in violation of FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate, and FCRA XXXX ( b ), which requires credit bureaus to assure maximum possible accuracy. 

In addition to these false late payments, my credit file contains multiple unauthorized XXXX inquiries that I never approved : XXXX XX/XX/year>XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, and XXXX XX/XX/year>. Under FCRA XXXX ( a ), a consumer report XXXX only be accessed with my written consent or for a permissible purpose. I have never applied for any credit, loan, or service from these entities on these dates. I have requested that Equifax provide signed applications or other proof of authorization, but they have failed to do so. These inquiries give the false impression that I am actively seeking credit, which has damaged my credit profile and lowered my score. 

XXXX repeated failure to remove unverifiable and unauthorized information, even after multiple disputes, shows a pattern of noncompliance with the FCRA. This has caused me direct harm, including loan denials, higher interest rates, and emotional distress due to the false portrayal of my creditworthiness. 

I request that the CFPB investigate this matter and compel Equifax to : Permanently delete the false late payments on XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX 

Remove all unauthorized XXXX  inquiries listed above. 

Provide me with written confirmation of each deletion. 

XXXX XXXX procedures to ensure future compliance with the FCRA. 

I am attaching copies of my dispute letters, supporting documents, and XXXX inadequate responses for your review.

Company response to consumer: Closed with explanation