Consumer complaint received 2025-08-08 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: TN

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with XXXX XXXX they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal law. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX LAW : FCRA 602 ( a ), 607 ( b ), 611 ISSUE : I have never lived at this address and it is being incorrectly reported on my credit file STORY : I have no known connection to this address and it may be contributing to incorrect or mixed file data. This incorrect address is damaging my profile and must be deleted immediately as per FCRA compliance XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX LAW : FCRA 602 ( a ), 607 ( b ), 611 ISSUE : This is not my residence and is appearing without authorization or verification STORY : I have never received mail, lived, or conducted any financial activity at this address. This is an identity error or file mix and must be deleted immediately ACCOUNTS DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6900.00} LAW : FCRA 607 ( b ), 611, 602 ( a ) ISSUE : This account is reporting late payments that are inaccurate and damaging STORY : I have consistently communicated with my loan servicer, and I dispute the alleged late payments reported. These entries appear due to reporting errors or miscommunication and must be removed unless proven with full documentation under Section XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} LAW : FCRA 607 ( b ), 611, 602 ( a ) ISSUE : False late payment is damaging my credit profile and is unverifiable STORY : I was under forbearance or financial hardship arrangements during this period and any late payment reporting is inaccurate. I request a thorough investigation and removal of this entry if the bureau can not verify it with complete evidence INQUIRIES XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ), 607 ( a ) ISSUE : Inquiry is not linked to any application I submitted STORY : I have no knowledge of this inquiry and did not initiate any credit application with XXXX XXXX or XXXX. It must be removed under consumer protection laws XXXXXXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ), 607 ( a ) ISSUE : Another unauthorized hard pull on same day STORY : This seems like a duplicate or false inquiry from Ally. I did not consent to any such check and demand immediate deletion XXXX XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ), 607 ( a ) ISSUE : Inquiry unrelated to any application I made STORY : I did not apply for credit with this institution and therefore this entry must be erased under the FCRAs permissible purpose rule XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ), 607 ( a ) ISSUE : Hard inquiry is unapproved and not consumer-initiated STORY : I was not shopping for a vehicle and did not authorize any inquiry from XXXX. This is damaging my score unlawfully and must be deleted I am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from all credit bureau reports. These issues are damaging my credit score, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.

Company response to consumer: Closed with non-monetary relief