Consumer complaint received 2025-10-30 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:
Dear Consumer Financial Protection Bureau, I am filing this complaint against several creditors, lenders, and credit reporting agencies for reporting false, unverifiable, and damaging information on my credit reports. Despite my good faith efforts to maintain accurate credit history, my reports contain multiple incorrect addresses, false charge-offs, late payment notations, and unauthorized hard inquiries that I never approved. These issues violate the Fair Credit Reporting Act ( FCRA ) and have severely impacted my credit standing.

Inaccurate Account Information : XXXX XXXX XXXX XXXX ( Acct : XXXX ) Reported as having a late payment. I have never been late on any XXXX XXXX account, and I demand a reinvestigation. Please verify payment history directly with the creditor and correct this inaccurate late payment mark immediately as it violates FCRA 607 ( b ) for accuracy and 611 for reinvestigation. 
XXXX XXXX XXXX ( Acct : XXXX ) Reported as a Charge-Off. I have no knowledge of this account and have never had any financial relationship with XXXX XXXX XXXX. If the furnisher can not provide signed documentation or proof of contract linking me to this account, it must be deleted immediately as unverifiable per FCRA 611 ( a ) ( 5 ) ( A ).

These negative and unverified accounts are causing severe harm to my creditworthiness and reputation. Under FCRA 602 ( A ), I have the right to an accurate and fair credit report that reflects true and verified data.

Unfamiliar and Unauthorized Hard Inquiries : Please investigate and remove the following inquiries, as I did not authorize any of these companies to access my credit file. These inquiries were made without my consent and violate FCRA 604 ( a ) ( 2 ), which limits permissible purposes for obtaining consumer
reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Because these inquiries were not authorized by me, they are fraudulent and must be deleted immediately to prevent further damage to my credit file.

Harm and Requested Action These ongoing violations have caused me significant emotional distress, credit denials, and financial harm. I have submitted disputes to the credit bureaus but have not received valid documentation or satisfactory resolutions.

I am requesting that the CFPB investigate the following : Why inaccurate and unverifiable accounts continue to appear on my reports.

Why unauthorized inquiries are being allowed to remain despite no permissible purpose.

Why incorrect addresses continue to be linked to my credit file.

Requested Remedies : 1. Immediate deletion of all incorrect addresses listed above.

2. Full reinvestigation and removal of all unverifiable and false account information.

3. Removal of all unauthorized credit inquiries.

4. Written confirmation from each credit bureau showing corrected and updated reports.

These issues clearly demonstrate non-compliance with FCRA 602, 604, 607, and 611, and I respectfully request the CFPB to take enforcement action to ensure these furnishers and bureaus comply with federal law.

Thank you for your attention to this serious matter. I am requesting a full investigation and a written response with corrective actions.

Company response to consumer: Closed with non-monetary relief