Consumer complaint received 2025-06-29 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: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccuracies and harmful errors reported on my Equifax credit report. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 607 ( b ), 609, and 611, which require credit reporting agencies to ensure maximum possible accuracy, provide consumer access to information, and conduct reasonable investigations into disputed information. 
XXXX. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$21000.00} Issue : Late Payment Reporting Under FCRA Section 607 ( b ), Equifax is obligated to maintain accurate and complete information. This account falsely reports late payments which are not accurate according to my payment records. Equifax has failed to verify this information during the reinvestigation process under FCRA Section 611. The inclusion of inaccurate late payments negatively impacts my credit score and financial reputation unjustly. This constitutes a violation of my right to fair and accurate credit reporting. 
XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry FCRA Section 604 ( a ) requires that credit inquiries only be made with my consent or for permissible purposes. This inquiry was made without my authorization or any legitimate business need. Equifax 's failure to remove this unauthorized inquiry after my dispute constitutes a violation of my consumer rights and contributes to unfair damage to my credit profile. 
XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry This inquiry is similarly unauthorized and was conducted without my consent, violating the provisions of FCRA Section 604 ( a ). Equifaxs continued reporting of this inquiry after my notification and dispute shows negligence in maintaining accurate and authorized information. 
XXXX. XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry This inquiry also lacks my permission or any permissible purpose under FCRA guidelines. Equifax has not removed this inquiry despite my formal dispute, violating my rights under Section 611 requiring prompt and thorough reinvestigation of disputed information. 
XXXX. Incorrect Personal Information Wrong Address Reported Address : XXXX XXXX XXXX XXXX, XXXX, KY XXXX Issue : Incorrect Address Reporting Equifax has repeatedly reported inaccurate address information linked to my credit file, which is misleading and prejudicial. Under FCRA Section 609 ( a ) ( 1 ), I have the right to obtain my credit report and ensure that all personal information, including addresses, is accurate and complete. The reporting of wrong addresses violates this right and causes harm by associating my file with irrelevant or fraudulent addresses. 
In all the above instances, Equifax has failed to meet its statutory obligation under the FCRA to conduct reasonable investigations and maintain accurate credit data. The inaccurate reporting of late payments, unauthorized hard inquiries, and incorrect address information has caused me significant financial harm, including lowered credit scores and potential denial of credit opportunities. 
I demand immediate correction and deletion of all inaccurate information listed above. Failure to comply will compel me to pursue further action, including complaints to the Federal Trade Commission, the Consumer Financial Protection Bureau, and potential legal remedies under FCRA Section 616 and 617 for willful noncompliance. 
I trust Equifax will act promptly to correct these violations and restore my credit reports integrity.

Company response to consumer: Closed with non-monetary relief