Consumer complaint received 2025-07-31 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:
To Whom It May Concern, I am submitting this formal complaint to report multiple serious inaccuracies and unauthorized activities appearing on my credit report. These errors have negatively impacted my creditworthiness, financial opportunities, and personal peace of mind. Despite my efforts to address these issues directly with credit reporting agencies, they remain unresolved. Therefore, I seek your immediate intervention and assistance. 
XXXX OAK XXXX, MI XXXX Issue : This address is incorrectly reported as mine. I have never lived, rented, or used this address for any financial or legal purposes. Its inclusion is a clear sign of inaccurate information on my credit report. 
Law : Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy of information before reporting it. Reporting incorrect addresses violates this standard.

Story/Impact : This false address causes confusion with creditors and potential employers who may rely on my credit file for background checks. It also raises the risk of identity mix-ups or fraud. Such misinformation undermines my credibility and causes emotional stress. It is unfair and unjust to have my creditworthiness potentially impaired due to errors beyond my control. I demand its immediate removal to protect my reputation and financial future. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : This address has never been mine, nor do I have any ties to it. Its presence on my report is completely inaccurate. 
XXXX : The FCRAs fundamental requirement ( XXXX ) is that all information must be accurate and verifiable. 
Story/Impact : Incorrect addresses can lead to mistaken identity fraud and credit report contamination. This address listing XXXX cause lenders to question my stability or cause delays in credit approval processes. It also raises concerns about the security of my personal information. I feel vulnerable and frustrated with this careless reporting. 
XXXX XXXX XXXX - XX/XX/XXXX ( Inquiry ) Issue : This hard inquiry is unauthorized and fraudulent. I did not request or approve any credit check from XXXX XXXX. 
XXXX : FCRA mandates that every hard inquiry be backed by my consent and a legitimate purpose ( 15 U.S.C. 1681b ). Unauthorized inquiries violate this law. 
Story/Impact : This inquiry has contributed to my credit score decline and misrepresents my credit activity. It also leads to unnecessary scrutiny by lenders. I am forced to spend time and resources disputing this, adding stress and financial uncertainty. 
XXXX XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) Issue : I did not authorize this credit inquiry. It appears to be related to dealer activity without my consent. 
XXXX : FCRA 1681b prohibits hard pulls without consumer authorization or permissible purpose. 
Story/Impact : Repeated unauthorized inquiries by car dealerships or third parties misuse my credit report. This practice is unfair and unlawful. It causes me direct financial harm and increases my risk of identity theft. The damage to my credit score affects my ability to secure loans, housing, and even employment. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Inquiry ) Issue : Unauthorized credit inquiry with no permissible purpose. 
XXXX : FCRA violations for unauthorized credit checks are grounds for removal. 
Story/Impact : Unlawful inquiries damage my credit profile and cause ongoing stress. They threaten my ability to access affordable credit and risk further identity issues. 
XXXX XXXX - XX/XX/XXXX ( XXXX ) XXXX : No permission given for this credit check ; unauthorized inquiry reported. 
Law : FCRA protections ensure my consent is required before any hard pull. 
Story/Impact : Such unauthorized inquiries degrade my creditworthiness and impose unjust financial burdens. It is a violation of my rights and privacy. 
XXXX BANK XXXX XXXX XX/XX/XXXX ( Inquiry ) Issue : Inquiry made without my knowledge or approval. 
Law : XXXX FCRA, unauthorized inquiries must be removed to protect consumer rights. 
Story/Impact : This erroneous inquiry causes confusion and damages my credit reputation. I am forced to spend time rectifying these errors instead of focusing on improving my financial health. 
Summary These inaccurate addresses and unauthorized inquiries collectively represent a serious failure in credit reporting accuracy and consumer protection. The emotional toll, financial harm, and identity risks are severe. I demand immediate investigation, correction, and deletion of all these errors under the full force of FCRA protections. Failure to comply will result in escalation to regulatory authorities and legal remedies. 
Impact on Me : These inaccuracies and unauthorized activities have caused me significant distress. My credit score has suffered unjustly, leading to loan denials, higher interest rates, and other financial setbacks. The presence of incorrect addresses has also raised questions in background checks, affecting housing and employment opportunities. I am forced to spend extensive time and resources disputing these errors, impacting my mental health and financial stability. 
Request for XXXX : I respectfully request that CFPB facilitate a thorough investigation and ensure the removal of all inaccurate addresses and unauthorized inquiries from my credit reports. I expect the credit reporting agencies to comply fully with FCRA requirements, provide me with results of their reinvestigation, and prevent recurrence of such issues. 
Thank you for your attention and prompt action on this serious matter.

Company response to consumer: Closed with non-monetary relief