Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX ( XXXX XX/XX/XXXX, last XXXX of SSN XXXX ). I am filing a complaint regarding inaccurate information that Equifax is reporting on my credit file. 

I have identified the following items as inaccurate or not authorized : XXXX. Unauthorized hard inquiries The following companies appear as hard inquiries on my Equifax credit report, but I did not apply for credit with them and did not give permission for them to access my credit report : XXXX XXXX XXXX  ( XXXX ), XXXX. XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), a hard inquiry requires a permissible purpose and my authorization. I disputed these inquiries directly with Equifax and requested verification and removal. Equifax continues to report them without providing documentation showing that I authorized these pulls. 

XXXX. Negative tradelines / late payments Equifax is also reporting negative information on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX account ending XXXX reported as a charge-off with multiple late payments and Times XX/XX/XXXX Days Late : XXXX. Date opened XX/XX/XXXX, date closed XX/XX/XXXX, past due now {$0.00}. 
XXXX XXXX XXXX XXXX XXXX Credit Card account ending XXXX reported as a charge-off with Times XX/XX/XXXX Days Late : XXXX. Date opened XX/XX/XXXX, date closed XX/XX/XXXX, past due {$0.00}. 
XXXX XXXX XXXX XXXX Bank revolving account ending XXXX account status Unknown, with Times XX/XX/XXXX Days Late : XXXX. Date opened XX/XX/XXXX, date closed XX/XX/XXXX, past due {$0.00}. 
XXXX XXXX XXXX XXXX Bank installment account ending XXXX account status Unknown, installment, Times XX/XX/XXXX Days Late : XXXX. Date opened XX/XX/XXXX, date closed XX/XX/XXXX, past due {$0.00}. 
XXXXXXXX XXXX XXXX XXXXXXXX installment account ending XXXX ( non-traditional installment/ XXXX XXXX XXXX  XXXX Bank ) status Unknown, Times XX/XX/XXXX Days Late : XXXX. Date opened XX/XX/XXXX, date closed XX/XX/XXXX, past due {$0.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX, balance {$750.00}, opened XX/XX/XXXX reported as an open derogatory collection with remarks Placed for collection and Account information disputed by consumer. 

I previously requested that Equifax investigate and verify the accuracy of these entries, including obtaining documentation from the furnishers as required by the FCRA. To date, Equifax has not corrected the information or provided documentation supporting its accuracy. 

I am requesting that the CFPB require Equifax to : Remove all item that can not be verified or documented as accurate under the FCRA. Since I never agreed to the debt According to FCRA XXXX XXXX it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you '' Settled with original creditor. 


XXXX ( a ) ( XXXX ) ( A ) to force creditors to correct inaccurate data XXXX ( b ) to hold credit bureaus accountable for inaccurate reporting XXXX ( a ) if you were denied credi and didn't receive an explanation XXXX to challenge late fees dust, payment processing delays XXXX to stop collection on old or invalid debts XXXX ( b ) to remove unverifiable accounts from your report.

Company response to consumer: Closed with explanation