Consumer complaint received 2025-08-30 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: NV

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccuracies and unverified items that Equifax has failed to properly investigate and correct, despite my repeated disputes. There is an address, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, listed on my credit file that I have never lived at or been associated with. The presence of this incorrect address is a violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. This misinformation has caused me serious harm by associating me with locations and data that are completely false, putting me at risk of identity fraud and further damaging my creditworthiness. 

In addition, my file contains a late payment entry from XXXX, account number XXXX, with a reported high balance of {$21000.00} and an opened date of XX/XX/XXXX. I dispute the accuracy of this reporting because XXXX has failed to provide validation of this account. The late payment reporting is not supported by proper documentation and violates FCRA 1681i ( a ), which requires a reasonable reinvestigation of disputed accounts. The continued reporting of this inaccurate late payment is damaging my credit score and credibility, and Equifax has refused to correct or delete it even though they are obligated to do so under federal law.

My report also shows numerous hard inquiries that I did not authorize and that have no permissible purpose under FCRA 1681b. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX These inquiries are inaccurate and fraudulent. I never applied for credit with these companies and I never consented to these inquiries. Under FCRA 1681c-2, I have the right to block information resulting from identity theft, and Equifax has failed to honor that right. Reporting these unauthorized inquiries violates federal law, and I am demanding immediate removal and correction of this information.

The repeated failure of Equifax to conduct a lawful reinvestigation as required by FCRA 1681i, along with their refusal to provide documentation proving the accuracy of these accounts and inquiries, shows a clear pattern of negligence. I have been harmed financially and emotionally because these inaccurate entries have lowered my credit score, limited my ability to obtain credit, and caused undue stress. The FCRA is clear that no account, inquiry, or address should remain on a consumers report without full verification from the furnisher of information. Equifaxs failure to correct these mistakes is a direct violation of my rights as a consumer. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to require Equifax to permanently delete the inaccurate address, the XXXX account with late payment reporting, and all the unauthorized inquiries listed above. Equifax must also provide proof of a full and complete reinvestigation as required by law. I am asking for a written confirmation of deletion and correction of these entries and for the protection of my credit file from further inaccurate or fraudulent reporting.

Company response to consumer: Closed with non-monetary relief