Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX, and I am filing this formal complaint because my rights under the Fair Credit Reporting Act ( FCRA ) have been repeatedly violated by the nationwide consumer reporting agencies. I have submitted multiple disputes regarding inaccurate personal information, unverifiable late payments, and an excessive number of unauthorized hard inquiries. Despite this, the items remain uninvestigated and uncorrected, placing me at risk of credit denials, higher interest rates, and reputational harm. 

My Story : In recent months, I began reviewing my credit reports more closely after being denied for a loan I truly needed. What I discovered was not only shockingit was devastating. My reports were filled with inaccurate personal data, late payment notations on accounts that are fully paid off, and numerous hard inquiries I never authorized. 

Despite being proactive and submitting timely written disputes with proof, the credit bureaus have failed to act. These errors have negatively impacted my financial well-being, cost me opportunities, and caused emotional distress. 

XXXX. Inaccurate Address Reporting Wrong Personal Information The following address is not connected to me and should not be listed on my credit report. It does not belong to me, and I have never lived there : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Violation : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to maintain accurate information FCRA 611 ( a ) ( 15 U.S.C. 1681i ) Failure to reinvestigate disputed information 2. Late Payments on Paid Accounts Inaccurate Account Status I am reporting XXXX accounts that are listed with late payments, even though the balances are {$0.00} and have been closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Reporting Late Payment XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Reporting Late Payment These accounts were either paid in full or closed with a {$0.00} balance. Reporting them as late after they are closed and paid off is factually inaccurate and misleading. 

Violations : FCRA 607 ( b ) Failure to maintain accuracy FCRA 611 ( a ) Failure to investigate and correct errors FCRA 623 ( a ) ( 1 ) ( A ) Furnishers reporting information with knowledge of inaccuracy 3. Unauthorized or Excessive Hard Inquiries No Permissible Purpose There are over 18 hard inquiries on my credit reportmost within a very short time spanwithout my knowledge or authorization. These include auto dealerships, financial institutions, and retail credit that I never applied for. 

Hard Inquiries I Am Disputing as Unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me, and I was not given any notice or consent. 

Violation : FCRA 604 ( a ) ( 3 ) Credit reporting agencies must have a permissible purpose to issue a credit report FCRA 607 ( a ) Reasonable procedures must be in place to prevent access without proper authorization Relief Requested : I am requesting the CFPB to open a formal investigation into the repeated violations of the FCRA by the credit reporting agencies and data furnishers. I am demanding the following : Immediate deletion of the inaccurate address. 

Correction or deletion of the late payments on accounts with {$0.00} balances. 

Removal of unauthorized and excessive hard inquiries. 

A written statement of findings and a formal resolution confirming compliance with FCRA laws. 

Sanctions or penalties if willful noncompliance is found, pursuant to FCRA 616 and 617.

Attachments ( to be included upon submission ) : Government-issued ID Proof of current address Credit report excerpts Copies of disputes sent to credit bureaus I respectfully request that this matter be given urgent attention, and that the responsible parties be held accountable. I am prepared to escalate this matter to legal counsel if necessary.

Company response to consumer: Closed with non-monetary relief