Consumer complaint received 2025-11-01 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: NV

Complaint narrative:
Dear CFPB Representative, I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) that have caused significant harm to my credit reputation and financial standing. The following items are inaccurate, incomplete, and unverifiable, and I am requesting your immediate investigation and enforcement of my consumer rights under federal law. 

XXXX XXXX XXXX XXXX, TX XXXX This address has never been associated with me, and any account linked to this address is false and unverifiable. Reporting an inaccurate address without verification violates FCRA 607 ( B ) and 611 ( A ) ( 1 ), which require data furnishers to maintain accuracy and conduct proper reinvestigation. Continuing to list this address despite previous disputes shows negligence and a disregard for my consumer rights under federal law. 

XXXX XXXX XXXX XXXX, NV XXXX This address is incorrect and does not belong to me. Failing to remove it after previous notices constitutes continued noncompliance with FCRA 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ). Any reinsertion or continued reporting of unverifiable personal data violates FCRA 611 ( A ) ( 5 ) ( B ) and is evidence of willful inaccuracy. I am demanding immediate deletion. 

XXXX XXXX XXXX Account # XXXX High Balance {$250.00} Date Opened XX/XX/XXXX LATE PAYMENT This account shows a late payment that is factually inaccurate and not supported by verified records. FCRA 611 ( A ) requires proper verification, and FCRA 623 ( B ) mandates data furnishers to update or delete unverified information. Continued reporting of an unsubstantiated delinquency harms my creditworthiness and violates my rights under 602 ( A ) and 607 ( B ), as no legitimate evidence of default exists. 

XXXX XXXXXXXX Dated XX/XX/XXXX This inquiry was unauthorized, and I never granted consent to this company to access my credit file. Under FCRA 604 ( A ) ( 2 ) and 604 ( F ) ( 1 ), no entity may pull a consumer report without permissible purpose. The inclusion of this inquiry violates federal law and invades my privacy under 602 ( A ). I request immediate deletion of this unauthorized inquiry. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and has no legitimate credit application or consent attached. It violates FCRA 604 ( A ) ( 3 ) ( A ) which governs permissible purpose. Keeping this inquiry despite prior disputes demonstrates failure to maintain accuracy under 607 ( B ) and negligence under 611 ( A ). I request its full removal. 

XXXX XXXX Dated XX/XX/XXXX This company obtained my credit information without my consent, which violates FCRA 604 ( A ) ( 2 ) and 604 ( F ) ( 1 ). Reporting unauthorized access without verification is a breach of my consumer privacy and protection rights under 602 ( A ). I am demanding deletion of this unauthorized inquiry immediately. 

XXXX XXXX Dated XX/XX/XXXX This inquiry was done without my authorization or application. Under FCRA 604 ( A ) ( 3 ) and 607 ( B ), any reporting agency must ensure all inquiries are legitimate and verified. The failure to remove this unverified item after prior notice shows clear noncompliance with 611 ( A ) ( 1 ). This inquiry must be deleted immediately to restore the accuracy of my report. 

I am requesting CFPBs assistance to compel the data furnishers and credit reporting agencies to conduct a lawful reinvestigation and remove all inaccurate, unverifiable, and unauthorized data immediately. These errors have caused tangible harm, including credit denials, emotional distress, and reputational damage. Under FCRA 611 and 623, I have the right to dispute and have inaccurate items deleted when verification can not be produced. I seek full correction and documentation confirming the results of this investigation.

Company response to consumer: Closed with explanation