Consumer complaint received 2025-09-22 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:
To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), because multiple accounts on my credit report are being reported inaccurately as charge-offs, late payments, or collections. These false entries have caused significant harm, including denials of loans, higher interest rates, inability to secure housing, and emotional distress. I request an immediate investigation, correction, and deletion of all inaccurate information. 
XXXX XXXX XXXX Account XXXX Date Opened XXXX XXXX, XXXX Balance {$2800.00} This account is being falsely reported as a collection. I dispute the accuracy of this tradeline because I have not received any validation of debt, no notice of default, and no lawful collection documentation. Reporting this account as a collection is a violation of FCRA 1681s-2 ( a ) which prohibits furnishing inaccurate information. Additionally, under FCRA 609 ( a ), I am entitled to receive all verification and complete account information, which has not been provided to me. The false collection reporting has already harmed me by lowering my credit score and leading to denials for credit and financing opportunities. I demand immediate deletion or verified proof under the law XXXX XXXX Inquiry XX/XX/XXXX This inquiry is unauthorized and inaccurate. I did not consent to XXXX XXXX pulling my credit file on this date. Under FCRA 604, creditors must have permissible purpose, and in this case, none existed. This false inquiry has negatively impacted my score XXXX XXXX XX/XX/XXXX This is another unauthorized inquiry that I never consented to. No permissible purpose existed, making this reporting illegal under FCRA. The repeated inquiries by XXXX  XXXX make my file appear overextended, unfairly lowering my score and credibility with lenders XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry in violation of FCRA 604. I never applied for new credit with XXXX on this date, and therefore this inquiry is false and misleading XXXX XXXX  Inquiry XX/XX/XXXX Unauthorized inquiry back-to-back with the XX/XX/XXXX inquiry. I did not authorize this, and it is evidence of repeated inaccurate reporting that violates FCRA 604 and 1681e ( b ). Multiple inquiries from the same creditor without permissible purpose are damaging and misleading XXXX Inquiry XX/XX/XXXX Unauthorized and inaccurate. I never gave XXXX XXXX consent to access my file on this date. This false inquiry has been reported in violation of FCRA 604 and is harming me by reducing my score and creating an inaccurate image of my credit-seeking activity Conclusion All accounts listed above are inaccurate, misleading, duplicative, or unverifiable. I demand immediate correction or deletion of all false entries in compliance with FCRA and FDCPA. Failure to resolve these inaccuracies may result in legal escalation.

Company response to consumer: Closed with non-monetary relief