Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I am writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : XXXX Account Reporting 1. XXXX  Account # : XXXX * * Date Opened : XX/XX/XXXX High Credit : {$6000.00} Status : Late Payments * * Violation : Reporting inaccurate payment history is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) which mandates that furnishers must provide accurate information. Continuing to report late payments that are either inaccurate or previously resolved is also a violation of FCRA 623 ( a ) ( 2 ) ( duty to correct and update information ). 
2. XXXX  Account # : XXXX * * Date Opened : XX/XX/XXXX High Credit : {$3500.00} Status : Late Payments * * Violation : This appears to be a duplicate or incorrectly reported version of the same account above, with a different balance. This is a violation of FCRA 607 ( b ) which requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy. 
3. XXXX XXXX XXXX XXXX Account # : XXXX * * Date Opened : XX/XX/XXXX Balance : {$130.00} Status : Charge Off * * Violation : Reporting a charged-off account without verifying the legitimacy of the debt or ownership may violate FCRA 611, and if the balance is inaccurately inflated or duplicated, it could also constitute a violation of FCRA 1681i ( a ) ( reinvestigation of disputed information ).

Unauthorized or Excessive Hard Inquiries Hard inquiries appearing without my consent or related to applications I did not initiate are considered a violation of the Fair Credit Reporting Act 604 ( a ) ( 3 ) which clearly states that consumer reports may only be accessed with permissible purpose. 
The following inquiries were either unauthorized, excessive, or conducted without permissible purpose : 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 XX/XX/XXXX Violation : These inquiries may have been run without my authorization, which is a direct violation of FCRA 604 ( a ). In many cases, these inquiries were repeated excessively by the same or similar entities, suggesting potential abuse or lack of reasonable procedures to ensure permissible purpose.

Relief Requested I respectfully request the CFPB to : 1. Investigate and direct the credit reporting agencies and furnishers to delete or cor
rect the inaccurate information listed above.

2. Enforce compliance with FCRA by penalizing entities that continue to willfully or negligently violate my consumer rights.

3. Remove all unauthorized inquiries that were made without a permissible purpose. 
4. Ensure that XXXX and XXXX XXXX XXXX XXXX correct, validate, or remove the disputed late payments and charge-off entries These actions are causing ongoing damage to my credit, emotional distress, and financial harm. As a consumer, I am exercising my rights under the Fair Credit Reporting Act and seeking protection through the Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief