Consumer complaint received 2025-07-12 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:
b'I am submitting this formal complaint regarding multiple inaccurate items that are currently being reported on my credit file. These errors are seriously impacting my creditworthiness and have caused me financial and emotional distress. I am requesting the Consumer Financial Protection Bureau (CFPB) to investigate these matters and ensure the credit bureaus comply with federal law, particularly the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA), in handling and correcting these inaccuracies.XXXX XXXX XXXX XXXX XXXX XXXX XXXXLaw Issue: FCRA 1681e(b) requires consumer reporting agencies to maintain maximum possible accuracy.\nStory: This address does not belong to me and is inaccurately reported on my file. I have never resided at or been associated with this location, and its presence is damaging my credibility.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXLaw Issue: FCRA 1681e(b) requires credit bureaus to report only accurate, verifiable information.\nStory: This address was never mine. Its inclusion without verification reflects a failure in accurate reporting, damaging my profile.XXXX XXXX XXXX XXXXLaw Issue: FCRA 1681i(a)  Right to dispute any inaccurate item.\nStory: The late payment reported is incorrect. I was in communication with the creditor during the alleged delinquency and was assured I would not be penalized. This negative mark is unjust and harmful.\nAccount: XXXX XXXX XXXX XXXX XXXXLaw Issue: FCRA 623(a)(1)(A) prohibits reporting false information knowingly.\nStory: This late payment was due to technical issues and was resolved swiftly. The creditor failed to correct this despite proof of resolution. I demand deletion based on inaccuracy.\nAccount: XXXX XXXX XXXX XXXXLaw Issue: FCRA 1681s-2(a)(1)  Furnishers must report only complete, truthful info.\nStory: This charge-off was settled through a payment arrangement not reflected here. Reporting as charged-off post-settlement is misleading and violates fair reporting standards.\nAccount: XXXX XXXX XXXX XXXX XXXXLaw Issue: FCRA 1681e(b)  Inaccurate payment histories are prohibited.\nStory: This account shows a $0 balance and still reflects late payments, which is contradictory. If paid off, no delinquency should persist. This harms my score unjustly.\nAccount: XXXX XXXXLaw Issue: FCRA 1681s-2(b)  Furnishers must investigate disputed information.\nStory: The late payment is being reported despite no supporting billing evidence. I never received notice or opportunity to correct this. This inaccurate reporting must be removed.\nAccount: XXXX  XXXXLaw Issue: FCRA 623(a)(2)  Duty to correct and update inaccurate information.\nStory: This account is closed with a $0 balance yet reflects a late payment. That is misleading and not reflective of current status. Delete or correct immediately.\nAccount: XXXX XXXX XXXX XXXXXXXXLaw Issue: FCRA 623(b) requires furnishers to cease reporting inaccurate info upon dispute.\nStory: This account is settled, but it still shows a charge-off. This misrepresents my obligations and disrespects my good-faith effort to resolve it. Please update or remove.\nInquiry: XXXX XXXX XXXXLaw Issue: FCRA 604  No permissible purpose provided.\nStory: I have no association with this entity and did not initiate any request. This is unauthorized.\nInquiryXXXX XXXX XXXXLaw Issue: FCRA 604  Unauthorized credit pull.\nStory: This hard inquiry was done without my knowledge or consent.\nInquiry: XXXX XXXXLaw Issue: FCRA 604  No valid reason to pull my credit.\nStory: I never authorized this. Remove immediately.\nInquiryXXXX XXXX XXXXLaw Issue: FCRA 604  No evidence of a credit request.\nStory: I was not involved in any transaction with this entity.\nInquiry: XXXX XXXXLaw Issue: FCRA 604  No permissible purpose.\nStory: Remove this unauthorized credit access.\nInquiry: XXXX XXXX XXXXLaw Issue: FCRA 604  Improper access to my credit.\nStory: I do not recognize this entity and did not initiate any transaction.\nThese inaccurate addresses, account misreportings, and unauthorized inquiries demonstrate negligent handling of my personal information and repeated violations of the FCRA and FDCPA. I respectfully request that the CFPB compel the credit reporting agencies and furnishers to investigate these errors thoroughly, remove all unverifiable or inaccurate data, and provide me with written confirmation of all corrections made.'

Company response to consumer: Closed with non-monetary relief