Consumer complaint received 2025-08-05 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 to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 611 [ 15 U.S.C 1681i ] Issue : This is not my address and has never been associated with me. 
Story : I am a victim of misreporting or potential identity confusion. This address is unknown to me, and any records tied to it are incorrect. Remove it from my file immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 611 [ 15 U.S.C 1681i ] Issue : This address is inaccurate and unrelated to my personal history. 
Story : I have never resided at this location. It may have been added in error or as a result of a mixed file. Please delete this address to ensure the accuracy of my report. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Law : FCRA 609 & 611 [ 15 U.S.C. 1681g & 1681i ] Issue : This account reports late payments inaccurately. 
Story : I formally dispute the reported delinquencies. I request XXXX XXXX to provide original payment records and contractual proof to validate the late status. If such proof can not be legally verified and shared with me, this account must be updated or deleted. 

XXXX XXXX XXXX XXXX High Balance : {$100000.00} Date Opened : XX/XX/XXXXXXXX XXXX Law : FCRA 611 [ 15 U.S.C. 1681i ] Issue : The late payment reporting is false and damaging. 
Story : I never missed a payment on this account. If there was a clerical mistake or third-party error in reporting, it should be corrected. Please verify the accuracy or remove the late payment status immediately. 

XXXX XXXX XXXX XXXXXXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXXXXXX XXXX Law : FCRA 611 & 623 [ 15 U.S.C. 1681i & 1681s-2 ] Issue : Late payments are reported incorrectly. 
Story : I challenge the legitimacy of the late payments being shown. I ask for exact billing statements and payment history to support these claims. If not validated properly, this account must be updated or removed per FCRA obligations. 

INQUIRY XXXX XX/XX/XXXX Law : FCRA 604 [ 15 U.S.C. 1681b ] Issue : Credit inquiry not consented by consumer Story : XXXX  has no permissible purpose to access my credit. This inquiry was added in error or fraudulently. 

XXXX XX/XX/XXXX Law : FCRA 604 [ 15 U.S.C. 1681b ] Issue : Duplicate or unauthorized inquiry Story : This appears to be a duplicate of another inquiry. I did not approve this, and it must be removed to maintain fair credit reporting. 

I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

Company response to consumer: Closed with non-monetary relief