Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2024 Balance Owed : {$120.00} Late Payment * * Law : FCRA 602 ( A ) and FCRA 611 require maximum possible accuracy and a reasonable reinvestigation. FCRA 623 states furnishers must report complete and accurate information. 
Issue : This account is being reported with late payment which is inaccurate and damaging. 
Story : I have no record of missing payments on this account, and the information being reported is inconsistent with my payment history. I am demanding proper validation and deletion if it can not be proven accurate. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2024 Balance Owed : {$530.00} Late Payment * * Law : FCRA 611 mandates the bureau to verify accuracy of disputed data. FCRA 623 ( a ) ( 1 ) prohibits furnishers from reporting false information. 
Issue : This account is inaccurately showing late payment, which is incorrect and misleading. 
Story : I have consistently made payments on time and no verified proof has been provided to support the late payment being reported. Please reinvestigate and remove if unverifiable. 

Inquiry XXXX XX/XX/2024 Law : FCRA 604 Issue : Unauthorized inquiry. 
Story : No consent was provided for this credit check. 

Inquiry XXXX XX/XX/2024 Law : FCRA 604 Issue : Inaccurate inquiry.

Story : I never applied for any service requiring this pull. 

Inquiry XXXX XXXX XXXXXX/XX/2024 Law : FCRA XXXX04 Issue : Unauthorized.

Story : This inquiry is invalid and must be removed. 

Inquiry XXXX XX/XX/2024 Law : FCRA 604 Issue : Duplicate/unauthorized inquiry.

Story : This company appears multiple times and I never authorized it. 

Inquiry XXXX XX/XX/2024 Law : FCRA 604 Issue : Unauthorized.

Story : I never applied with this company and this inquiry is harmful. 

Inquiry XXXX XXXX  XXXX XX/XX/2024 Law : FCRA 604 Issue : Unauthorized inquiry.

Story : No consent was given for this pull. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief