Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against [ Credit Bureau Name ] for their continued reporting of inaccurate, unverifiable, and misleading information on my credit file. This is my second dispute regarding these same items, yet they remain unresolved. I currently have an open CFPB complaint and have not yet submitted to the FTC, but I am prepared to escalate if necessary. 
Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX Issue : Duplicate and incorrect listing of the prior false address.

Law : FCRA 602 ( A ) mandates fairness and accuracy in reporting.

Story : This duplicate listing of a false address increases the likelihood of mistaken association with accounts, debts, or public records that are not mine. I am concerned this duplication is contributing to other reporting errors on my file. 
Account : XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Late Payment * * Issue : This account is reporting late payments that are inaccurate and unverifiable. I dispute the validity and accuracy of these delinquencies. 
Law : FCRA 609 ( a ) gives me the right to request complete verification and documentation of the account, including signed agreements and payment records. FCRA 611 requires deletion if the furnisher can not provide proper evidence.

Story : I have previously requested validation of the alleged late payments, including exact dates, amounts, and supporting documentation. No such evidence has been provided. This negative reporting is harming my credit standing and is not based on verified or complete records. 
Account : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$510.00} Late Payment * * Issue : This account is inaccurately reporting late payments without proper verification. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

Story : I have no record of missing payments for this account. Without proper validation, continued reporting of these alleged lates is a violation of my consumer rights and constitutes negligence in data handling by both the furnisher and the bureau. 
Inquiry : XXXX XXXX XX/XX/XXXX Issue : This hard inquiry was made without my knowledge or authorization. 
Law : FCRA 604 ( a ) ( 2 ) limits permissible purposes for inquiries, and unauthorized pulls must be removed. 
Story : I did not apply for any credit product with XXXX XXXX on or around this date. This inquiry may be the result of a clerical error, identity theft, or improper access to my credit file. The unauthorized nature of this pull violates my privacy rights and lowers my credit score without cause.

Requested Resolution : I request the CFPB to investigate and compel [ Credit Bureau Name ] to : Permanently delete the inaccurate addresses listed above. 
Remove the unverifiable late payment entries from both XXXX XXXX Bank accounts. 
Delete the unauthorized XXXX hard inquiry. 
Provide written confirmation of these corrections. 
Under FCRA 611, the bureau must correct or delete unverifiable information within 30 days. Failure to comply will leave me with no choice but to escalate further to the FTC and pursue legal remedies under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief