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: CA

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Balance : {$520.00} Status : Late Payment Law : FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611, FCRA 607 ( b ) Issue : Late payments are being reported inaccurately without proper verification Story : This account shows late payment history that I do not recognize. I have not been provided with payment records or a billing breakdown. No substantiated documents were sent during the first dispute. Reporting incomplete or inaccurate payment history damages my profile and violates my rights. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$500.00} Status : Late Payment Law : FCRA 623 ( a ), FCRA 611, FCRA 602 ( b ) Issue : Late payments reported without factual verification Story : This entry was not verified with any billing statements or legally valid records. I requested these in my first dispute, and your response failed to provide acceptable documentation. Continued reporting of unverifiable data after dispute is negligent and unlawful under the FCRA. 

INQUIRY XXXX Date : XX/XX/XXXXXXXX  Law : FCRA 604 ( a ) ( 3 ), FCRA 607 Issue : No permissible purpose Story : I never authorized this inquiry. Please provide full proof of authorization or remove it immediately. 

INQUIRY XXXX Date : XX/XX/XXXXXXXX  Law : FCRA 604 ( a ) ( 3 ), FCRA 611 Issue : Inquiry without application Story : I have not applied for any XXXX  XXXX credit on this date. Without documented evidence, this must be deleted. 

INQUIRY XXXX  Date : XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), FCRA 607 Issue : Hard inquiry made without consent Story : This credit pull occurred without any action from me. I did not apply for any XXXX product, so this inquiry is invalid unless verified. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

Company response to consumer: Closed with non-monetary relief