Consumer complaint received 2025-10-07 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 formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to report serious and repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other federal laws. Despite my multiple dispute attempts, certain inaccurate addresses, false account information, and unauthorized credit inquiries continue to appear on my credit reports, causing harm to my financial reputation and creditworthiness. These inaccuracies have resulted in denials of credit opportunities, emotional distress, and damage to my personal and financial credibility. I am requesting the CFPB to conduct a full and thorough investigation into the credit reporting agencies and furnishers involved, to ensure compliance with the law and correction of all inaccurate information reported against me. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX This address was never associated with me nor provided by any verified creditor. It appears to be linked to accounts that I have disputed as inaccurate or fraudulent. Under FCRA 1681i, you are obligated to conduct a reasonable reinvestigation and delete unverifiable data. Keeping this address on file misrepresents my personal information and can cause further damage to my creditworthiness. This incorrect information suggests poor maintenance of identifying data under 1681e ( b ). I have reviewed all my legal and financial records and found no connection to this residence. Any account associated with this address is also questionable and must be reverified independently. The law mandates that consumer reporting agencies ensure accuracy by confirming addresses through original sources, not through secondary data aggregators. The appearance of this address exposes me to potential fraud and credit risk. Your continued failure to remove it after prior disputes constitutes negligence. I hereby demand deletion within the statutory timeframe under 1681i ( a ) ( 1 ) ( A ). Written notice of reinvestigation results should be mailed to me promptly as required by 1681i ( a ) ( 6 ) ( B ) ( ii ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This address does not belong to me, nor do I have any connection or residency history related to it. The inclusion of this address on my report reflects a failure of accuracy and proper verification under FCRA 1681e ( b ). As required by law, unverifiable personal information must be removed to ensure the accuracy and integrity of my credit file. I have never resided, rented, or maintained utilities at this address, nor have I authorized its use in any financial document. Reporting this false address shows procedural failure by the credit bureau in maintaining correct identifying data. The FCRA demands that only verified and accurate information be reported, and this clearly violates that principle. The retention of this false address risks associating me with other consumers credit activity, leading to wrongful attribution of accounts or inquiries. I have submitted proof of my verified address history, and this one does not appear in any legitimate record. Your continued reporting of this wrong data demonstrates willful disregard under 1681n. Immediate deletion and written confirmation are required to correct this serious inaccuracy. Failure to remove it will result in a formal complaint with the CFPB and FTC. 

ACCOUNT XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$45000.00} This account reflects a late payment history that is inaccurate, incomplete, and not supported by verifiable documentation from the original creditor. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. I have requested validation, including original signed agreements, payment history, and account statements, but none have been provided. Without this documentation, continued reporting is unlawful. Under 1681i ( a ) ( 1 ) ( A ), you are required to reinvestigate disputed information within 30 days and delete unverifiable data under 1681i ( a ) ( 5 ) ( A ). Reporting a false delinquency violates 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures for maximum accuracy. The absence of proof of debt or payment history means this account can not legally remain on file. I have verified through my personal records that I have never missed or been late on any payment associated with this account. Therefore, the alleged delinquency is either the result of a reporting error or identity mix-up. FCRA 1681s-2 ( b ) mandates that furnishers must correct and update information that is determined to be incomplete or inaccurate. If this error originated from a creditor, the credit bureau still bears responsibility for maintaining accuracy under 1681e ( b ). The reporting of a {$45000.00} balance without validation also violates 623 ( a ) ( 1 ) ( B ) of the FCRA, which prohibits unverified or outdated reporting. The inclusion of this false information has severely impacted my credit score and financial credibility. The law entitles me to accurate and complete reporting, and you have failed to uphold this obligation. Therefore, I demand the immediate deletion of this unverifiable and inaccurate account. Failure to comply will result in formal complaints to the CFPB, FTC, and my state attorney general. I also reserve the right to seek civil remedies under 1681n and 1681o for willful or negligent noncompliance with the FCRA. 

INQUIRIES XXXX XXXX XXXX XX/XX/XXXX I have no existing or recent relationship with this financial institution. This inquiry was made without a permissible purpose and must be removed under 1681b ( f ). The continued presence of such inquiries damages my credit profile and misrepresents my activity. I request that you contact the furnisher to verify consent documentation, which I know does not exist. Any inquiry reported without direct authorization violates FCRA standards of permissible access. Continued retention after notice of dispute constitutes willful disregard under 1681n. 

XXXX XXXX XXXX XX/XX/XXXX This unauthorized inquiry does not meet FCRA 1681b requirements for permissible purpose. I did not give consent or apply for any form of credit with this company. It must be deleted promptly to comply with FCRA reinvestigation obligations. The bureau is required to confirm authorization directly with the furnisher. If they can not provide a signed application or recorded consent, you are obligated to delete it under 1681i ( a ) ( 5 ). Reporting this inquiry also violates 1681e ( b ) as it reduces the accuracy and reliability of my file. 

XXXX XXXX XX/XX/XXXX This inquiry was never approved or authorized by me. The FCRA restricts access to consumer credit reports to authorized entities, and this action violates those protections. Please delete this inquiry immediately. I have never initiated any contact or application with XXXX XXXX. The continued reporting of this item constitutes a violation of 1681b ( f ). This activity damages my credit score and suggests fraudulent use of my identity. Immediate reinvestigation and removal are required. 

XXXX XXXX XX/XX/XXXX I never gave authorization for any credit inquiry to this company. The inclusion of this inquiry is a violation of FCRA 1681b ( f ) and should be removed as it does not meet the criteria for permissible purpose. Please contact the furnisher for verification ; if no written consent is produced, it must be deleted. Continued reporting without authorization constitutes willful negligence under 1681n. 

XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and inaccurate. Under XXXX ( a ), inquiries can only be made with my express consent or legitimate business need. No such authorization was granted. I demand its immediate deletion. Failure to remove this item after notice constitutes a violation of XXXX ( a ). This unauthorized access violates my privacy and reduces the overall accuracy of my credit file. 

XXXX XXXX XXXX XX/XX/XXXX This company had no legal reason to access my credit file. Their inquiry constitutes a violation of 1681b ( f ) as no permissible purpose exists. It must be removed to ensure compliance with federal law. If the furnisher can not show written authorization or an initiated application, you must delete it under 1681i ( a ) ( 5 ). This activity misrepresents my credit-seeking behavior and unjustly lowers my score. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was performed without my consent, and no valid credit application was initiated. It violates FCRA 1681b ( f ), and I demand immediate deletion. The bureau must verify that this inquiry meets the lawful access standard ; otherwise, its retention is a violation under 1681e ( b ). Continued inclusion demonstrates noncompliance with federal law. 

XXXX XXXX XX/XX/XXXX This unauthorized inquiry was made without permissible purpose or my approval. Under FCRA 1681b ( f ), only legitimate entities with consent or a lawful purpose may access my file. Delete this inquiry immediately. Keeping this item on file after dispute notice violates 1681i ( a ) ( 1 ) ( A ). It must be deleted if unverifiable. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for any loan or credit product that would justify this inquiry. It is unauthorized, and its continued presence violates 1681b ( f ). I demand immediate deletion. The bureau is responsible under 1681e ( b ) to ensure accurate reporting and under 1681i ( a ) ( 5 ) to delete unverifiable items. This unauthorized access harms my privacy and credibility. 

I am requesting the Consumer Financial Protection Bureau to take immediate action to investigate these violations and ensure full compliance with federal consumer protection laws. The errors and false reports listed above have caused considerable harm to my financial standing, emotional well-being, and overall credit reputation. I respectfully urge the CFPB to compel all involved parties including the credit reporting agencies and furnishers to provide proof of accuracy or remove these items immediately from my credit file. I trust that the CFPB will use its authority to uphold fairness, transparency, and accountability in the credit reporting system, and to protect my rights as a consumer under the FCRA and related federal laws.

Company response to consumer: Closed with explanation