Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate addresses and unauthorized inquiries on my credit report, which are severely harming my creditworthiness and financial standing. This complaint is submitted under 15 U.S.C. 1681i ( Fair Credit Reporting Act, FCRA ) and 15 U.S.C. 1681e ( b ), which require consumer reporting agencies to maintain accurate and complete information on credit reports. I request a full investigation and immediate correction of these errors. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is entirely inaccurate and has no association with me. Including this false address on my credit report misleads creditors, harms my reputation, and can impact lending decisions by suggesting I maintain additional residences or obligations that I do not. FCRA 1681e ( b ) requires that CRAs follow reasonable procedures to ensure accuracy. The failure to remove this address after prior disputes demonstrates repeated noncompliance with federal requirements and negligence in handling my personal information. Continued reporting of this incorrect address exposes me to risks including identity verification issues, misdirected correspondence, and wrongful assumptions about my residence history. I demand immediate reinvestigation and deletion of this item unless proper proof of my residence can be provided. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided, rented, or conducted financial transactions at this address. Its presence on my credit report is factually incorrect and violates my rights under FCRA 1681i, which mandates proper reinvestigation of disputed information. Reporting an inaccurate address can negatively affect my creditworthiness, confuse potential lenders, and create unnecessary complications for applications, verifications, or identity confirmation. This repeated inaccuracy demonstrates negligence and failure to comply with the CRAs statutory obligation to maintain maximum possible accuracy ( FCRA 1681e ( b ) ). I request full deletion unless verifiable evidence proves my association with this property, which I know does not exist. 

XXXX : XXXX XXXX XXXX XX/XX/year> This inquiry was performed without my consent or request. Under FCRA 604 ( a ) and 607 ( b ) ( 15 U.S.C. 1681b, 1681e ), CRAs and furnishers are required to maintain strict accuracy standards and to access credit reports only for authorized purposes. Unauthorized hard inquiries misrepresent my financial activity, cause undue credit score reduction, and can result in lenders interpreting my credit behavior inaccurately. The repeated presence of this inquiry despite prior disputes demonstrates a failure to adhere to federal reinvestigation obligations under FCRA 611. I demand that this inquiry be immediately deleted and that verification of authorization be provided ; failure to comply continues to expose the credit bureau to liability. 

I request that the CFPB and the relevant credit reporting agencies fully investigate and correct all inaccurate addresses and unauthorized inquiries listed above under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). These errors are materially affecting my creditworthiness and financial standing. I urge the CFPB to take this complaint seriously and ensure all corrections are made promptly to protect my rights and restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief