Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Issue : This is a wrong address never connected to my identity Law : Under FCRA Section 611 ( a ), you must investigate and correct any disputed information Story : I have never lived or received mail at this address. Its presence in my report is misleading, creates confusion, and may falsely link me to unknown financial activity. Please remove it permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Issue : Reporting this account as a charge-off is inaccurate as the balance is {$0.00} Law : FCRA XXXX XXXX requires fair credit reporting and XXXX ( b ) requires verified accuracy Story : This account was never charged off and the balance owed is clearly reported as {$0.00}. Reporting it as a charge-off is misleading and causes unnecessary damage to my credit profile. If it can not be verified with documentation from the original creditor, it must be deleted immediately XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : Late payments are reported on an account with a {$0.00} balance and no current delinquency Law : FCRA Section 611 ( a ) ( 1 ) ( A ) grants me the right to dispute and request an investigation into inaccurate information Story : This account is showing late payments even though it was paid and closed with a {$0.00} balance. This incorrect status harms my payment history and must be corrected or removed if the data can not be verified accurately XXXX XX/XX/XXXX Inquiry Issue : This credit inquiry was unauthorized and done without my permission Law : FCRA XXXX XXXX ( a ) ( XXXX ) requires that inquiries have a permissible purpose and must be consumer-authorized Story : I did not authorize XXXX to access my XXXX on XX/XX/XXXX. This inquiry was done without my knowledge or consent and violates my consumer rights. Please remove this inquiry from my credit report immediately I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

Company response to consumer: Closed with non-monetary relief