Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint against Equifax because my consumer rights under the Fair Credit Reporting Act are being violated through the reporting of false, unverifiable, and damaging information. My credit file with Equifax is reflecting accounts and inquiries that I have no knowledge of, and despite my disputes, these items remain on my report. The FCRA under 607 ( b ) requires Equifax to assure maximum possible accuracy, and under 611, they are required to reinvestigate and delete any item that can not be properly verified. Instead, they are publishing information that misrepresents me and causes ongoing harm to my financial stability. 

My credit report contains a charge off account from XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXXXXXX  with a listed high credit of {$5400.00} XXXX XXXX. I have no knowledge of this account, never opened it, and never authorized any such debt. The continued presence of this account without valid proof violates FCRA 623, which prohibits the reporting of information known or believed to be inaccurate. Unless original documentation is provided showing that I contracted for this account, it has no lawful basis to remain on my report. 

Another false account is being reported under XXXXXXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX with a high credit of {$6800.00} XXXX XXXX also listed as a charge off. I dispute this account fully because I never established or maintained such a credit card with XXXX XXXX. Equifax has not provided any documentation proving this debt is mine, yet it continues to be reported. Under the FCRA, disputed information must either be verified with documented evidence or removed. The failure to delete this account demonstrates Equifaxs disregard for the protections mandated by federal law. 

In addition to these false charge off accounts, my file also reflects an unauthorized inquiry from XXXX XXXX, dated XX/XX/XXXX. I never authorized XXXX XXXX to access my credit report on that date, nor did I initiate any application that would have given them permissible purpose. The FCRA under 604 is clear that no entity may access a consumers credit file without consent or lawful reason. Allowing this inquiry to remain on my report is an unlawful violation of my rights and damages my creditworthiness by lowering my score. 

These false accounts and unauthorized inquiry are not minor errorsthey are violations of my federal rights as a consumer. They impact my ability to obtain housing, credit, and employment, and they create a false financial identity that does not reflect my actual history. Equifax has a legal duty to conduct a reinvestigation and delete any unverifiable or unauthorized items within 30 days under FCRA 611, yet they have not complied. This neglect is both harmful and unlawful.

I am requesting that the Consumer Financial Protection Bureau investigate these violations and compel Equifax to permanently remove the inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  charge off, the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off, and the unauthorized XXXX  XXXX XX/XX/XXXX inquiry. These items do not belong to me, can not be verified, and must be deleted to restore the integrity of my credit file. My rights under federal law must be enforced, and I am relying on the CFPB to take action to hold Equifax accountable.

Company response to consumer: Closed with non-monetary relief