Consumer complaint received 2025-11-27 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 submitting this complaint to report multiple inaccuracies, unauthorized reporting activities, and failure by furnishers and credit bureaus to properly investigate and correct false information appearing on my consumer credit reports. These errors have negatively and unjustly impacted my creditworthiness. I am requesting the CFPB to conduct a full review and require the reporting parties to validate or remove/repair the information as required by FCRA guidelines . 

1. Incorrect Address Reporting The following addresses are being reported on my credit profile, and I have no affiliation, residency, or connection to them. They must be investigated and removed immediately as they are not accurate identifiers for me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses do not belong to me and should not be attached to my consumer profile. I request that their reporting be deleted as inaccurate under the Fair Credit Reporting Act. 

2. Charge-Off Accounts I Have No Knowledge Of I am requesting a formal investigation and complete removal of the following charge-off accounts. I have no knowledge of these accounts, did not authorize them, and therefore dispute their accuracy entirely : XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$780.00} XXXX XXXX As stated previously, I have no knowledge or ownership of these accounts, and I am requesting deletion on the basis of inaccurate and unverifiable reporting. 

3. Late Payment Accounts Reported Incorrectly The following accounts are reporting late payments, which is incorrect. I have never been late on these accounts, and therefore I am requesting correction of payment history records, not deletion of the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$770.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Late payment reporting is inaccurate and must be corrected so the accounts reflect on-time payment history. 

4. Collection Accounts Requiring Verification of Ownership The following collection accounts must be verified with complete documentation. If ownership can not be proven through legally required validation, I request immediate deletion : XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX Balance {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$4000.00} XXXX Under FCRA 609 & 611, I request itemized validation of debt, chain-of-ownership documents, and reporting authorization. 

5. Unauthorized Hard Inquiries Below inquiries were not authorized by me, and I request investigation and removal : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I request that each furnisher be required to produce signed authorization or written proof of permissible purpose. 

Requested Resolution I respectfully ask the CFPB to : Require all furnishers to validate the accounts and inquiries listed above. 

Remove all accounts I indicated as unknown/ no knowledge if validation can not be produced. 

Correct all late payment history as stated. 

Remove all unverified addresses and unauthorized inquiries. 

Thank you for your attention. I request written confirmation of findings and actions taken.

Company response to consumer: Closed with non-monetary relief