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: CA

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. 
ACCOUNT TO BE REMOVED XXXX XXXX XXXX  | High Balance : {$2500.00} | Date Opened : XX/XX/XXXX | Late Payment LAW : FCRA Section 611 and 609 require accuracy and proper verification of any item reported on a consumer credit file ISSUE : This account has a history of late payments that I am not responsible for, and I have no recollection of authorizing this account STORY : I demand a reinvestigation of this account as I believe it to be reported in error. I have no relationship with this creditor nor have I ever held an account with them. Continued reporting of inaccurate information without proper verification violates my rights. Remove this from my file immediately and provide proof of contract, signature, and full billing history. 
ACCOUNT TO BE REMOVED XXXX XXXX | High Balance : {$8000.00} | Date Opened : XX/XX/XXXX | Late Payment LAW : FCRA Section 623 and 611 require data furnishers to ensure accuracy and allow for consumer-initiated dispute reinvestigation ISSUE : This account contains derogatory payment history that is damaging and unverifiable STORY : I do not have any record of this account and was not notified of any outstanding balances or delinquencies. I am disputing the validity and requesting immediate deletion unless you can provide signed contract documentation, payment records, and ownership confirmation. 
ACCOUNT TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$61000.00} | Date Opened : XX/XX/XXXX | Late Payment LAW : Under FCRA 611 ( a ), I have the right to challenge information that appears to be inaccurate or incomplete ISSUE : The account is showing derogatory status and missed payments that are not accurate based on my records STORY : I never fell behind on payments for this account, and no communication or billing correspondence supports the reported status. This could be due to a processing or reporting error. Please reinvestigate and validate with complete payment history and contractual agreement. Otherwise, delete this record from my report. 
INQUIRY TO BE REMOVED XXXX | Date : XX/XX/XXXX LAW : Under FCRA Section 604 ( a ) ( 3 ), hard inquiries require explicit permissible purpose ISSUE : I did not authorize this inquiry nor did I initiate any application involving this company STORY : This hard inquiry appeared on my report without my consent. I have never contacted this company, and no application exists to justify this pull. This violates the FCRA and should be removed immediately as it negatively affects my creditworthiness. 
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