Consumer complaint received 2025-09-29 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: LA

Complaint narrative:
To the Consumer Financial Protection Bureau I am submitting this complaint because my consumer rights are being violated through the reporting of inaccurate addresses, unverifiable accounts, and unauthorized inquiries on my credit report These errors have caused me financial harm, loss of credit opportunities, and severe distress Despite my efforts to dispute these matters directly with the credit reporting agencies and furnishers they have failed to take corrective action The FCRA requires accuracy, proper verification, and lawful reporting of information but in my case these obligations are not being met I am therefore bringing this to CFPB so that my concerns are formally investigated and addressed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off * * This account is being reported as a charge off with a high credit of {$15000.00}. The reporting of this status is damaging, and I contest its accuracy and completeness. Under FCRA 611 ( a ), you are required to reinvestigate disputed information and remove any entry that can not be verified. To date, no documentation proving the validity of this charge off has been provided to me. Any alleged contract or payment history must be supplied by the furnisher, yet none has been shown. If you continue reporting without such evidence, you are in violation of both FCRA 607 ( b ) and FDCPA provisions regarding misrepresentation of debt. The balance, dates, and status all remain in question and must be removed from my credit file if you can not produce the original signed agreement and a complete verified accounting. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX  Collection * * This account is listed as a collection with a balance of {$620.00}, opened XX/XX/XXXX. I dispute this reporting because no proof of contract, billing, or assignment of debt has been provided. Under the FDCPA, debt collectors must provide validation upon request, and under the FCRA you are obligated to remove unverifiable accounts. I have not received any validation showing I owe this amount. Reporting a debt without verification is a violation of both laws. Furthermore, the continued presence of this account, despite my disputes, demonstrates non-compliance with 611 ( a ) regarding reinvestigations. Unless full proof of ownership and balance is produced, this collection must be deleted from my file. 

XXXX XX/XX/XXXX Inquiry This hard inquiry was placed on my credit report without my authorization. Under FCRA 604, inquiries may only be made with a permissible purpose and consumer consent. I never gave authorization for XXXX to access my file. Reporting unauthorized inquiries is unlawful and causes harm by lowering my score and exposing me to risk. This must be removed immediately as it represents a violation of federal law. 

XXXX XX/XX/XXXX Inquiry This inquiry was also placed without my permission. I never applied for or authorized any credit transaction that would justify this access. Each unauthorized inquiry is a violation of FCRA 604 ( a ) and creates inaccurate impressions of my credit-seeking behavior. Unless you can produce written proof of consent, this inquiry must be deleted. 

XXXX XX/XX/XXXX Inquiry This inquiry is not valid. I never granted authority to XXXX to pull my credit file. Any reporting of inquiries without my consent is unlawful. FCRA clearly protects against this, and failure to remove this will demonstrate continued disregard for consumer rights. 

I respectfully request that CFPB investigate these violations and ensure full compliance with the FCRA and related consumer protection laws The wrong address must be deleted the unverifiable charge off account must be removed and the unauthorized inquiry must be deleted from my credit file Accurate reporting is a requirement under federal law not an option and continued noncompliance places me in financial harm I trust that CFPB will hold the responsible parties accountable and take action to restore the accuracy and integrity of my credit report Thank you for your time and attention to my complaint.

Company response to consumer: Closed with non-monetary relief