Consumer complaint received 2025-08-14 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:
Summary of Complaint : My credit report contains multiple serious inaccuracies, including addresses I have never lived at, an account reporting false late payments despite showing a {$0.00} balance, and unauthorized hard inquiries without my consent or any permissible purpose. These are clear violations of the Fair Credit Reporting Act ( FCRA ) and have caused harm to my creditworthiness, increased borrowing costs, and emotional distress. 
Under FCRA 602 ( A ), Congress has recognized the importance of accurate credit reporting to protect consumers and the economy. The continued reporting of inaccurate and unverifiable information by the credit bureaus and furnishers is a direct violation of FCRA 607 ( b ) ( Maximum Possible Accuracy ) and FCRA 611 ( Reinvestigation of Disputed Information ). These violations have caused substantial harm to my ability to secure fair credit terms. 
I have listed below each disputed item with its Issue, Law, and Story to show the nature of the violations in detail : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment This account is inaccurately reporting late payments despite showing a {$0.00} balance. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate ; FCRA 611 requires timely correction after dispute.

Story : This account has been fully paid and closed, yet the credit bureau and furnisher continue to display late payments. Reporting false delinquencies after closure is highly misleading to creditors and is damaging my credit score. Such reporting suggests willful noncompliance, as the creditor has had ample time to update the account to show accurate payment history. The ongoing presence of these lates misrepresents my credit behavior and causes lenders to see me as a high-risk borrower. 
XXXX XXXX XXXXXXXX XX/XX/XXXX Issue : Unauthorized Hard Inquiry No record of consent. 
Law : FCRA 604 ( a ) and 611 ( a ) require verification and removal if inaccurate. 
Story : I have no relationship with XXXX XXXX XXXX. This inquiry was not approved by me and has no legitimate purpose. Each unauthorized inquiry further depresses my score and creates a false picture of my credit activity. Leaving such items unaddressed shows a failure to follow federal consumer protection requirements. 
Impact on Me : These violations have caused my credit score to drop, resulting in higher interest rates, credit denials, and emotional stress. They misrepresent my identity, payment history, and credit behavior. These inaccuracies remain despite my disputes, showing the credit bureaus and furnishers have failed to comply with their legal obligations. 
Relief Requested : I request that the CFPB : XXXX. Investigate the listed violations. 
XXXX. Direct the credit bureaus and furnishers to delete the wrong addresses, false late payment, and unauthorized inquiries. 
XXXX. Require written proof of corrections. 
XXXX. Take enforcement action if willful noncompliance is found. 
I am providing proof of identity, proof of current address, and a copy of my credit report highlighting the disputed items.

Company response to consumer: Closed with non-monetary relief