Consumer complaint received 2025-08-20 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: LA

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Law/Issue : FCRA 609 and 611 require only accurate identifying information be reported.

Story : I have never lived at this address, never received mail here, and never used it for any financial or personal purpose. Its presence on my file is misleading and creates a false impression of my identity. Keeping this address could cause verification problems with lenders and must be removed. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law/Issue : FCRA 609 and 611 accuracy requirement.

Story : This is a commercial or business address that I have no personal connection with. I have never resided here or authorized it to be linked to my profile. Its presence suggests identity confusion and is damaging to the accuracy of my credit report. 

Account XXXX XXXX XXXX * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law/Issue : FCRA 602A, 607 ( b ), and 609 require accurate and verifiable reporting.

Story : This account is showing a late payment, yet the balance reflects {$0.00}. That is contradictory and inaccurate. I can not have been late on a {$0.00} balance. This clearly indicates reporting errors. Unless the furnisher provides full validation with complete payment records and proof of liability, the late payment notation must be deleted immediately. 

Inquiry XXXX XXXX XXXX Law/Issue : FCRA 604 permissible purpose violation. 
XXXX : This appears to be a duplicate unauthorized inquiry. Duplicate and unauthorized hard pulls damage my score and misrepresent my activity. This must be corrected and removed. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA XXXX permissible purpose violation. 
Story : I never applied for any financial product with XXXX XXXX XXXX XXXX. This inquiry was made without my permission and is negatively impacting my credit file. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief