Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am filing this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccurate and unlawfully reported items that continue to appear on my consumer credit file. Despite my consistent efforts to have these errors corrected, the credit reporting agencies and data furnishers have failed to ensure accuracy, transparency, and compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These violations have caused me significant emotional and financial distress, including denials of credit, increased interest rates, and damaged reputation. I am requesting a full investigation by the CFPB into the below-listed accounts and their furnishers for willful non-compliance with federal law. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX These addresses are completely inaccurate and have no valid connection to my verified residence history. Their presence suggests mixed or merged credit files and violates FCRA 607 ( b ), which mandates accurate reporting of consumer identification data. I have never resided at these addresses, and continuing to associate them with my profile is misleading and unlawful. 

ACCOUNTS XXXX XXXX XXXX Account XXXX XXXX Balance : {$360.00} Opened : XX/XX/XXXX Late Payment This account reflects late payments that are inaccurate and not supported by verifiable payment history. Reporting unverified derogatory data without complete validation from the original creditor is a violation of FCRA 611 ( a ) and 607 ( b ). The law requires the credit bureau to maintain only verified and accurate information. The information reported is incomplete, outdated, and inconsistent with my actual payment record, therefore must be deleted immediately. 

XXXX Account XXXX XXXXXXXX Balance : {$0.00} Opened : XX/XX/XXXX XXXX Payment The reported late payment is inaccurate and unsubstantiated. No documented proof or original creditor verification has been provided. Under FCRA 602 ( A ) and 611 ( A ), inaccurate payment data must be removed when challenged. The lack of validation demonstrates negligence in data verification, and the continued reporting causes harm to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Opened : XX/XX/XXXX Late Payment The reported late payment is incorrect and has not been validated with sufficient evidence. Under FCRA 611 ( A ), upon consumer dispute, the bureau must reinvestigate and remove unverifiable items. The current reporting appears inconsistent with factual records and must be corrected or deleted to comply with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX High Balance : {$1000.00} Collection This account was never authorized for collection status. Reporting a paid or inactive account as a collection without proper validation is a serious FCRA 611 ( A ) violation. The creditor failed to validate the alleged delinquency, and continuing to display this data damages my financial standing. 

XXXX XX/XX/XXXX ( XXXX ) This inquiry appeared on my credit report, yet I never applied for any form of credit or service with XXXX XXXX. There was no written authorization, verbal consent, or any pre-existing account relationship that would justify this access to my personal credit file. Under Section 604 ( a ) ( 3 ) of the FCRA, only entities with a legitimate purpose may obtain a consumers report, and XXXX XXXX had no such basis. I request that this inquiry be deleted immediately for violating my consumer rights. 

XXXX XX/XX/XXXX ( XXXX ) XXXX Lend accessed my credit report without my consent or knowledge. I did not submit any loan, credit, or financial service application to them. This act constitutes a clear violation of my privacy rights as protected by the FCRA. Any company performing an inquiry without permissible purpose is in direct violation of Section XXXX and is liable under Section XXXX for damages resulting from such unauthorized access. I demand prompt deletion of this inquiry. 

XXXX XX/XX/XXXX ( Inquiry ) There is no record or documentation showing that I ever authorized or engaged with XXXX XXXX XXXX in any business or credit-related activity. This unauthorized inquiry must be immediately removed, as it violates my rights under the FCRA and negatively impacts my overall credit profile. The bureau must verify the source, purpose, and consent tied to this inquiry or permanently delete it as unverifiable and unauthorized information. 

XXXX XX/XX/XXXX ( XXXX ) This inquiry was made without my written consent, and I did not initiate any credit transaction with XXXX XXXX. Under the FCRA Section 607 ( b ), the credit bureau is required to maintain maximum possible accuracy in reporting consumer information. Since this inquiry is unverifiable, inaccurate, and unauthorized, it must be permanently removed. 

XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX has accessed my credit report despite me having no dealings or requests for any credit with them. There was no signed application, no phone authorization, nor any other legitimate reason to obtain my credit data. Under FCRA Section 604, the absence of a permissible purpose makes this inquiry unlawful, and its continued reporting would constitute willful noncompliance by the credit bureau. 

I am demanding immediate CFPB intervention to investigate the above violations and compel the furnishers and reporting agencies to permanently delete these inaccurate, unverifiable late payment notations. Each of these entities has failed their obligations under the Fair Credit Reporting Act, causing financial damage, stress, and loss of credit opportunities. I request that the CFPB take corrective action to ensure my rights as a consumer are protected and these violations are remedied immediately.

Company response to consumer: Closed with non-monetary relief