Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint due to numerous and repeated violations on my credit reports that have caused me emotional XXXX, financial harm, and potential exposure to identity theft. I am disputing incorrect personal address, inaccurate payment history, and multiple unauthorized hard inquiries. These entries are severely damaging my creditworthiness and were not corrected despite previous efforts. 
WRONG ADDRESSES ( NOT MINE ) XXXX XXXX XXXX  XXXX, NJ XXXX Issue : This address is completely unfamiliar to me. I have never resided, worked, or received mail at this location. Its presence on my credit report is both suspicious and harmful. 
Law Violated : Under FCRA 607 ( b ) and 609 ( c ) ( 2 ), the credit reporting agency must ensure the accuracy of the information and provide only verified consumer identity data.

My Story : I discovered this address after being denied credit. I never had any personal, rental, or financial connection with this location. Its continued presence raises concern of a mixed file or potential identity theft, causing damage to my reputation and credit score. 
ACCOUNTS WITH INACCURATE DATA XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$550000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : Late payment reported inaccurately. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) Duty to report accurate and complete data.

My Story : This account is extremely high in balance and Ive never received any statement, communication, or billing from XXXX. This has to be either a fraudulent account or an error due to mixed files. I was shocked to see such a large balance associated with me, and I am terrified of the consequences this error could cause from loan denials to legal action for debts I do not owe. 
XXXX XXXX XXXX XXXX Acct # XXXX | High Balance : {$24000.00} | Date Opened : XX/XX/XXXX Issue : Late payments reported without valid notification or proof. 
Law Violated : FCRA 607 ( b ), and Fair Debt Collection Practices Act ( FDCPA ) 807 prohibiting false or misleading representations.

My Story : I do not recall having an open auto loan with XXXX in that time period. I received no bill, no contract, and no documentation. Despite this, late payments are tarnishing my credit score. I believe this could be tied to the wrong addresses listed on my report, and I feel like my identity has been misused or mixed. 

UNAUTHORIZED / SUSPICIOUS INQUIRIES XXXX XXXX XX/XX/XXXX Issue : No credit application submitted by me. 
Law Violated : FCRA 604 No permissible purpose for inquiry.

My Story : I never contacted XXXX XXXX. This shows the depth of the identity problem I am dealing with institutions are pulling my file without any knowledge on my part. 

XXXX XXXX XXXX  XXXX  XX/XX/XXXX Issue : Inquiry made with no application on file.

Law Violated : FCRA 604 ( a ) ( 3 ) ( A ) Only permissible with consumer initiation.

My Story : My trust is being broken daily. I didnt apply for any XXXX XXXX XXXX, and yet they accessed my personal credit. These hits keep lowering my score unjustly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unknown source made a hard inquiry. 
Law Violated : FCRA 604 Misuse of credit report access.

My Story : This inquiry was a complete surprise. I believe there is either a fraud issue or my identity is being circulated and misused. 

XXXX XXXXXXXX XXXX XX/XX/XXXX Issue : Repetitive inquiry without consent.

Law Violated : FCRA 604 ( b ) ( 2 ) ( A ) ( ii ) Proper consumer notice required.

My Story : Im now scared that my credit profile is being used in the background by unknown entities. These repeated hard pulls are affecting my eligibility for new credit and loans. 
I am requesting that the CFPB investigate these violations of the Fair Credit Reporting Act. I have suffered financial harm, emotional stress, and fear of identity theft due to these false, outdated, or unauthorized credit entries. I respectfully demand deletion of the wrong address, removal or correction of inaccurate accounts, and removal of all unauthorized hard inquiries listed above. I am attaching identification documents and supporting dispute materials with this submission.

Company response to consumer: Closed with non-monetary relief