Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for reporting multiple inaccurate, unverified, and false accounts and addresses on my credit report. These accounts do not belong to me, and the addresses listed are incorrect and unrelated to my personal information. I have already disputed these items with Equifax, but the company has failed to remove or verify them, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 602 ( A ), Section 607 ( b ), and Section 611 ( a ). Equifax has failed to ensure maximum possible accuracy and has not provided any supporting documentation to prove these accounts are legitimate.

The following addresses have no connection to me and must be removed from my credit file : 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 These addresses are completely inaccurate and have never been associated with me in any verified manner. 

My credit report also contains numerous unverified and inaccurate accounts that are being reported as charge offs, collections, or with false late payment histories. These accounts are not mine, and I have no knowledge or contractual relationship with the creditors involved. The false accounts being reported by Equifax are : XXXX XXXX High Balance {$280.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX XXXX XXXXXXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXXXXXX Balance Owed {$0.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX High Balance {$23000.00} Date Opened XX/XX/XXXX Late Payment ; XXXX XXXX  XXXX XXXX High Balance {$2300.00} Date Opened XX/XX/XXXX Late Payment ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$600.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed {$650.00} Date Opened XX/XX/XXXX Charge Off ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed {$900.00} Date Opened XX/XX/XXXX Late Payment ; XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX Collection ; XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Date Opened XX/XX/XXXX Collection ; XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} Date Opened XX/XX/XXXX Collection ; XXXX XXXX XXXX XXXX High Balance {$460.00} Date Opened XX/XX/XXXX Collection ; XXXX XXXX XXXX XXXX High Balance {$10000.00} Date Opened XX/XX/XXXX Collection ; and XXXX XXXX XXXX XXXX High Balance {$440.00} Date Opened XX/XX/XXXX Collection. 

These accounts are unverified and inaccurate. Equifax has not provided any supporting documentation such as signed contracts, original statements, or proof of debt ownership for any of these entries. The continued reporting of these accounts without verification constitutes a clear violation of FCRA Section 611 ( a ), which requires consumer reporting agencies to conduct a reasonable reinvestigation and delete any unverifiable information within 30 days of receiving a dispute. 

In addition, my credit report contains several unauthorized hard inquiries that I never consented to. These inquiries were made without my knowledge or written permission, violating FCRA Section 604 ( a ) ( 3 ), which governs permissible purpose for accessing a consumers credit report. The unauthorized inquiries include XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These companies had no permissible reason to obtain my credit information and these inquiries must be deleted immediately. 

Equifaxs failure to remove or properly investigate these inaccurate accounts, false addresses, and unauthorized inquiries has caused significant harm to my credit reputation, lowered my credit scores, and created undue stress. Their negligence and refusal to comply with the Fair Credit Reporting Act demonstrate willful disregard for consumer protection laws. 

I am requesting that the Consumer Financial Protection Bureau intervene and ensure Equifax complies with all federal requirements under the Fair Credit Reporting Act. I seek full deletion of all inaccurate addresses, unverified accounts, and unauthorized inquiries from my Equifax credit report. I also request that Equifax provide written confirmation of the completed corrections once they are made in full compliance with federal law.

Company response to consumer: Closed with non-monetary relief