Consumer complaint received 2025-07-06 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: MI

Complaint narrative:
I am filing this formal complaint against Equifax for serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ). Despite multiple disputes and proper documentation, Equifax has continuously failed to correct, investigate, and remove inaccurate and unverifiable information from my credit report. These ongoing violations have caused me mental distress, financial harm, and denial of credit. Below are the detailed issues : Address : XXXX XXXX XXXX XXXX, MI XXXX This address is incorrectly associated with my profile. I have never resided at this location, nor do I have any connection to it. Reporting an inaccurate address not only violates my privacy but also misrepresents my identity and places me at risk of being linked to accounts or activities I have no involvement with. 
Issue : Inaccurate and unauthorized address reporting Violations : FCRA XXXX ( A ), XXXX ( b ) Failure to maintain accurate consumer file FCRA XXXX Failure to reinvestigate upon dispute XXXX XXXX Unfair and deceptive reporting Account : XXXX XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$1200.00} | Status : Charge-Off * * This account is falsely reporting as a charge-off. I have never opened an account with XXXX under this number, and no valid contract or account agreement bearing my signature has been provided to validate this debt. This tradeline is not only inaccurate and unverifiable but is being maliciously reported without a proper investigation. Equifax failed to verify the accuracy and legitimacy of this account during prior disputes. 
Issue : Unauthorized account, false charge-off, lack of validation Violations : FCRA XXXX ( b ) Failure to ensure maximum possible accuracy FCRA XXXX XXXX to conduct a proper reinvestigation FDCPA XXXX ( b ) Failure to validate the debt upon request XXXX XXXX Unfair, deceptive, and abusive reporting practices Hard Inquiry : XXXX | Date : XX/XX/XXXX This inquiry was made without my knowledge or permission. I never applied for any credit or loan product from this company on or around this date. A hard inquiry without permissible purpose constitutes a direct violation of federal law and significantly damages my credit score. 
Issue : Unauthorized hard inquiry Violations : FCRA XXXX ( a ) ( XXXX ) Lack of permissible purpose FCRA XXXX, XXXX Willful and negligent noncompliance XXXX XXXX Unfair usage of consumer data Hard Inquiry : XXXX XXXX XXXX | Date : XX/XX/XXXX I did not authorize this inquiry nor apply for any services or products with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). This is a fraudulent or mistaken inquiry that Equifax failed to investigate and remove upon request. Such unauthorized access to my report is unacceptable and unlawful. 
Issue : Unauthorized inquiry damaging credit score Violations : FCRA XXXX ( a ) ( XXXX ) Inquiry without consumer consent FCRA XXXX Failure to conduct reinvestigation XXXX XXXX Unlawful dissemination of consumer report information Hard Inquiry : XXXX | Date : XX/XX/XXXX This is another unauthorized inquiry from Global Lending that I never consented to. Repeated inquiries from the same creditor further compound the damage to my credit profile and suggest a serious lapse in Equifaxs internal controls and compliance procedures. 
Issue : Duplicate unauthorized inquiry Violations : FCRA XXXX ( a ) Lack of permissible purpose FCRA XXXX ( a ) Failure to maintain procedures to avoid unauthorized access XXXX XXXX Reckless and harmful reporting behavior Hard Inquiry : XXXX XXXX XXXX | Date : XX/XX/XXXX I did not give authorization to XXXX XXXX XXXX XXXX for a credit inquiry on this date. Equifaxs failure to remove this despite my prior disputes shows willful neglect and systemic violation of my rights under FCRA. 
Issue : Repeated unauthorized inquiry by the same creditor Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Inquiry without consumer authorization FCRA XXXX Inadequate reinvestigation XXXX XXXX Unjust enrichment and consumer harm Relief Requested : XXXX. Immediate removal of the incorrect address : XXXX XXXX XXXX XXXX, MI XXXX XXXX. Deletion of the fraudulent and unverifiable account : XXXX XXXX * * * * XXXX. Deletion of all unauthorized inquiries from XXXX and XXXX XXXX XXXX XXXX. Full compliance with FCRA, FDCPA, and XXXX provisions XXXX. A formal investigation and confirmation in writing from Equifax with results Equifaxs reckless reporting, failure to verify disputed information, and refusal to comply with federal laws have significantly affected my ability to obtain credit and damaged my financial standing. I respectfully request that the Consumer Financial Protection Bureau take immediate action to enforce compliance and ensure that Equifax is held accountable.

Company response to consumer: Closed with non-monetary relief