Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting this formal complaint regarding multiple and ongoing violations of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agencies and the furnishers listed below. My consumer report currently contains inaccurate addresses, incorrect late payment history, an unknown charge-off account, and unauthorized inquiries, all of which are materially harming my creditworthiness.

I am requesting a full investigation and immediate correction as required under FCRA 602A, 604, 607 ( b ), and 611. 

1. Incorrect & Fraudulent Addresses I Have Never Lived at These Locations The following addresses are appearing on my credit report. I have never lived at, used, or been associated with these addresses in any capacity, making them clear violations of FCRAs reasonable accuracy requirements : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Wrong Address These addresses must be immediately removed from my consumer report, as they create severe security and identity-related concerns. 

XXXX. Accounts Reporting Incorrect Late Payments ( I Have Never Made a Late Payment ) Under FCRA 607 ( b ), furnishers must ensure maximum possible accuracy. The following accounts are incorrectly reporting late payments : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$25000.00} Issue : Late Payment ReportinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$20000.00} Issue : Late Payment Reporting * * I dispute these late payments in full. The account history is inaccurate because I have NEVER made a late payment on these accounts at any time. 
I request that CFPB require the furnishers and CRAs to correct the reporting and update the accounts to reflect accurate on-time payment history. 

XXXX. Charge-Off Reporting for an Account I Do NOT Recognize XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$4.00} Status : Charge Off * * I have no knowledge of this account, never opened it, never authorized it, and have never been associated with it. 
This is a clear case of inaccurate reporting and possible identity misuse. Under FCRA 611 and 602A, I am requesting immediate deletion of this charge-off account from my credit file
.

4. Unauthorized / Questionable Hard Inquiries The following inquiries were not authorized by me : XXXX XX/XX/XXXX Inquiry XXXX XXXX Inquiry I did NOT grant permission for these hard inquiries. 
Under FCRA XXXX, no inquiry can be made without permissible purpose. 

I am requesting removal of these inquiries from my consumer report. 

Requested Action I request that the Consumer Financial Protection Bureau : Require the credit reporting agencies and furnishers to conduct a complete reinvestigation. 

Remove all wrong addresses from my report. 

Correct the false late payment reporting for XXXX and XXXX XXXX. 

Delete the charge-off account from XXXX which I have no knowledge of. 

Remove the unauthorized XXXX XXXX XXXX XXXX inquiries. 

Provide written verification and documentation supporting any item that the furnisher claims is accurate. 

Conclusion These inaccuracies violate multiple provisions of the FCRA, damage my credit standing, and expose me to identity-related risks. I am requesting swift action and a full written response. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief