Consumer complaint received 2025-11-01 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: SC

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit reports with the major credit reporting agencies. These inaccurate items are causing significant harm to my credit profile and are in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Below are the specific issues : XXXX. Wrong Address Reporting : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address is being reported on my credit file, and I have no association or residence history at this location. This inaccurate address must be removed immediately as it suggests identity or reporting errors. 

XXXX. Late Payment Accounts ( Inaccurate Reporting ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$41000.00} ) * This account is being inaccurately reported with late payment history. I have never made a late payment, and this reporting is entirely false. I request a full investigation and correction to reflect an accurate on-time payment history. 

XXXX XXXXXXXX XXXX XXXX ( Opened XX/XX/XXXX, XXXX XXXX : {$31000.00} ) * This account is also showing late payments that are incorrect. I have never made any late payments, and this inaccurate history must be corrected immediately. 

XXXX. Charge-Off Accounts ( Unfamiliar/Unverified ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$0.00} ) * This account has been reported as charged off, but I have no knowledge of this account and have never opened or authorized it. It must be deleted as unverifiable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, Balance : {$340.00} ) * This account is also being reported as charged off, and I have no knowledge of this account. This entry is causing unjust damage to my credit and must be deleted immediately. 

XXXX. Unfamiliar Hard Inquiries : XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) I did not authorize these credit inquiries. They were made without my consent, and I am requesting their immediate removal from all credit bureaus under FCRA 604. 

Summary of Requested Actions : Immediate investigation and deletion of all inaccurate and unverified entries listed above. 

Written confirmation of the results of your investigation. 

Verification that all corrected data has been communicated to all three major credit bureaus ( Equifax, Experian, and TransUnion ). 

These errors are directly affecting my creditworthiness, and I demand that each item be thoroughly reviewed under the provisions of the FCRA, specifically 602 ( A ), 607 ( B ), and 611 ( A ). If these inaccuracies are not corrected promptly, I will consider escalating this complaint with supporting evidence to additional federal and state oversight agencies. 

Thank you for your prompt attention to this matter. I expect written confirmation of receipt and investigation within XXXX  days as required by law.

Company response to consumer: Closed with non-monetary relief