Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250.00} Status : Chargeoff LAW : FCRA 609 ( a ), 611 ( a ), 623 ( b ) ISSUE : Account is inaccurate and unverifiable STORY : This account is showing as a chargeoff but I have no recollection or record of ever opening or defaulting on this account. I previously requested validation and have not received any supporting documents. Please delete this unverifiable item. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3.00} Status : Late Payment LAW : FCRA 609 ( a ), 611 ( a ), 623 ( b ) ISSUE : Late payment inaccurately reported STORY : This account shows a {$3.00} balance and a reported late payment which is unreasonable and unsubstantiated. I dispute the accuracy of this reporting and demand verification. Please remove this account if it can not be properly validated. 

INQUIRY XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Unauthorized hard inquiry STORY : I did not authorize this inquiry. It was pulled without my consent. Please remove this inquiry. 

INQUIRY XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Unauthorized inquiry STORY : I did not apply for any credit from this company. Delete this pull. 

INQUIRY XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inaccurate and unauthorized inquiry STORY : This company accessed my report without approval. Remove it. 

INQUIRY XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Unauthorized access to credit report STORY : I do not recognize or consent to this inquiry. Delete it. 

INQUIRY DEPT OF ED XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry not permitted STORY : I did not authorize this federal agency to access my credit. 

INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inaccurate inquiry STORY : I dispute this as I did not authorize it. 

INQUIRY XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Unauthorized hard pull STORY : I have no connection with this company. Remove inquiry. 

INQUIRY XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Unpermitted credit check STORY : I did not authorize this pull. Please delete it. 

INQUIRY DEPT OF ED XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry is unapproved STORY : I never requested this inquiry. Remove it now. 

INQUIRY XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Unauthorized pull STORY : This inquiry is invalid and must be deleted. 

INQUIRY DEPT OF ED XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry unauthorized STORY : I did not authorize or request this inquiry. Please delete it. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

Company response to consumer: Closed with explanation