Consumer complaint received 2025-09-08 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: TN

Complaint narrative:
To Whom It May Concern I am submitting this formal dispute under the Fair Credit Reporting Act regarding multiple inaccurate late payments, charge-offs, and wrong addresses appearing on my credit report. These entries are unverifiable, misleading, and violate federal law. I request immediate reinvestigation and permanent deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Issue Wrong Address Law FCRA 609 ( a ) ( 1 ) applies Story This address does not belong to me and has been incorrectly reported on my credit profile. Reporting wrong addresses misleads creditors, harms my creditworthiness, and violates federal law. Immediate correction is required XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Late Payment Issue Inaccurate reporting Law FCRA 623 applies Story XXXX reports a late payment I did not incur. No documentation or notice was provided. Reporting unverifiable late payments violates FCRA and misleads creditors. Delete immediately MOHELA/NAVIENT XXXX Date Opened XX/XX/XXXX High Credit XXXX Late Payment Issue Unverified late payment Law FCRA 623 applies Story Duplicate late payment is inaccurately reported. No verification exists, misrepresenting my credit profile and violating FCRA. Immediate correction is required XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Charge Off Issue Unverified charge-off Law FCRA 623 applies Story XXXX XXXX reports a charge-off without supporting documentation. This misrepresents my creditworthiness and violates federal law. Delete immediately XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Charge Off Issue Unverified charge-off Law FCRA 623 applies Story XXXX XXXX reports a charge-off without providing proof or statements. Reporting unverified charge-offs misrepresents my credit profile and violates federal law. Delete immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit - Charge Off Issue Unverified charge-off Law FCRA 623 applies Story XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge-off without verification or supporting documentation. This misleads lenders and violates FCRA. Delete immediately XXXX XXXX Date Opened XX/XX/XXXX High Credit XXXX Charge Off Issue Inaccurate charge-off Law FCRA 623 applies Story XXXX  reports a charge-off without validation. Reporting unverified charge-offs is misleading and violates FCRA. Immediate removal required XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Charge Off Issue Unverified charge-off Law FCRA 623 applies Story XXXX XXXX XXXX reports a charge-off without providing statements or verification. This misrepresents my credit history and violates federal law. Delete immediately XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Late Payment Issue Unverified late payment Law FCRA 623 applies Story XXXX XXXXXXXX XXXX XXXX XXXX with no supporting documents or notices. Reporting unverifiable information violates FCRA. Immediate deletion required XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Late Payment Issue Inaccurate reporting Law FCRA 623 applies Story XXXX XXXX XXXX XXXX late payment without verification. This misleads creditors and violates federal law. Remove immediately XXXX XXXX XXXX Date Opened XX/XX/XXXX High Credit XXXX Late Payment Issue Unverified late payment Law FCRA 623 applies XXXX XXXX XXXX reports late payments without any supporting documentation or notices. Reporting unverifiable information violates FCRA. Immediate deletion required XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit - Charge Off Issue Unauthorized charge-off Law FCRA 623 and 611 apply Story XXXX XXXX  reports XXXX XXXX XXXX notice or proof of delinquency. This violates FCRAs accuracy requirement. Immediate deletion requested XXXXXXXX XXXX Inquiry Date XX/XX/XXXX Issue Unauthorized inquiry Law FCRA 604 applies Story XXXX XXXX accessed my credit without my permission. This impermissible inquiry violates FCRA. Immediate removal required XXXX Inquiry Date XX/XX/XXXX Issue Unauthorized inquiry Law FCRA XXXX applies Story XXXX performed a hard pull without my authorization. This is an impermissible inquiry under FCRA. Delete immediately XXXX XXXX XXXXXXXX Date XX/XX/XXXX Issue Unauthorized inquiry Law FCRA 604 applies Story XXXX XXXXXXXX accessed my report without consent. Reporting unauthorized inquiries is a violation of FCRA. Immediate deletion required XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Issue Unauthorized inquiry Law FCRA 604 applies XXXX XXXX XXXX XXXX accessed my credit without authorization. This impermissible inquiry violates FCRA. Delete immediately XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Issue Unauthorized inquiry Law FCRA 604 applies XXXX XXXX XXXX XXXX XXXX pulled my credit without my permission. Unauthorized inquiries must be removed immediately Final Statement Under FCRA 604 ( a ) and 623 all addresses, late payments, and charge-offs listed above are inaccurate, unverifiable, and harmful. The credit bureaus are legally obligated to reinvestigate and delete all unverifiable or misleading entries. Continued reporting without proper verification constitutes willful noncompliance and violation of consumer protection laws.

Company response to consumer: Closed with non-monetary relief