Consumer complaint received 2025-10-08 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: MS

Complaint narrative:
To Whom It May Concern, I am filing this complaint to report serious and damaging inaccuracies appearing on my credit report that have caused financial harm, loss of opportunities, and emotional distress. The accounts and public records listed below are not mine, were never authorized, and were reported in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and verification under 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. 
Bankruptcy XXXX XXXX Docket Identifier XXXX Federal Court These bankruptcy entries are completely false, defamatory, and constitute a gross violation of my consumer rights. I have never filed any bankruptcy in any federal, state, or local court. There are no court records, filings, or judgments with my name or Social Security number associated with these docket numbers. Reporting a bankruptcy when none exists is an act of identity confusion, clerical negligence, or malicious error by the reporting entity. 
This false bankruptcy listing has severely damaged my reputation, made me ineligible for housing and credit opportunities, and caused emotional distress. Under FCRA 611 and 623 ( a ) ( 1 ) ( B ), no bankruptcy record should be reported unless it has been verified directly from official court records. I demand that all three of these false bankruptcy entries be immediately deleted from my credit file and that written confirmation be provided to me within 30 days. 
UNAUTHORIZED CREDIT INQUIRIES VIOLATION OF PRIVACY AND FCRA 604 The following inquiries were made on my credit report without my authorization or consent. I never applied for any credit, vehicle loan, or financing from these institutions around the listed dates. These inquiries are damaging to my score and are clear violations of FCRA 604 ( a ) ( 3 ) which limits credit pulls to situations involving consumer-initiated transactions. 
Unauthorized Inquiries ( All Dated XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Each of these inquiries must be fully investigated and removed immediately if no signed credit application or electronic authorization from me can be produced. Repeated unauthorized pulls indicate potential misuse of my personal data or identity theft. 
LEGAL GROUNDS AND FCRA VIOLATIONS : FCRA 609 ( 15 U.S.C. 1681g ) : I have the right to know the source and nature of all data reported about me.

FCRA 611 ( 15 U.S.C. 1681i ) : I have the right to dispute any inaccurate or unverifiable information and to have it deleted within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Data furnishers must not report inaccurate or incomplete information.

FCRA 616 and 617 : Noncompliance with FCRA obligations exposes furnishers and credit bureaus to civil liability and damages. 
REQUESTED ACTION : XXXX. Delete all false bankruptcy entries immediately from all credit bureaus. 
XXXX. Remove both unverified charge-off accounts ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
XXXX. Delete all unauthorized credit inquiries listed above. 
XXXX. Provide me with written documentation verifying completion of these actions. 
XXXX. Confirm the investigation results within 30 days, as required by the FCRA. 
CONCLUSION : The false reporting of charge-offs, fraudulent bankruptcies, and unauthorized inquiries represents severe negligence and defamation of my financial profile. These actions have caused measurable emotional distress and denied me access to fair credit opportunities. I request the Consumer Financial Protection Bureau ( CFPB ) to enforce full compliance with the Fair Credit Reporting Act and ensure immediate deletion of all inaccurate items.

Company response to consumer: Closed with non-monetary relief