Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
I am filing this complaint regarding multiple inaccurate and unverified items that have been reported on my credit file by various furnishers. The information being reported is false, damaging to my credit reputation, and in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( B ), and 611 ( A ), which require that all information reported to consumer reporting agencies be accurate, complete, and verifiable. 

1. Wrong Addresses Reported : The following addresses are being falsely associated with my name and credit profile : XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, VA XXXX I have no connection or residence history at these locations. These are inaccurate and should be permanently deleted from my credit file immediately. 

XXXX. Unauthorized and Unverified Accounts Reported as Charge-Offs : I have no knowledge of or association with the following accounts, yet they have been wrongfully reported as charge-offs : XXXX  XXXX XXXXXXXX XXXX  High Balance {$530.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$320.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX High Balance {$2400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX High Balance {$520.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$520.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance {$870.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  High Balance {$18000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$1700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance {$15000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$6000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$34000.00} Date Opened XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$25000.00} Date Opened : XX/XX/XXXXXXXX  I do not recognize or authorize any of these accounts. These entries appear to be either fraudulent or reported in error, and their continued presence violates my rights under FCRA 611 ( a ), which entitles me to the deletion of unverifiable information. I am requesting the CFPB to compel these furnishers and credit bureaus to conduct a proper reinvestigation and remove these accounts immediately if they can not be verified with complete documentation and signatures showing I am responsible. 

3. Inaccurate Late Payment Reporting : The following accounts are being reported with false late payment history, which is completely inaccurate because I have never missed or made a late payment : XXXX XXXX XXXX XXXX XXXX High Balance {$720.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX High Balance {$6000.00} Date Opened : XXXX XXXX XXXX XXXX High Balance {$420.00} Date Opened : XX/XX/XXXXXXXX  These accounts are inaccurately reporting my payment history and should be corrected to reflect an on-time status immediately, as required under FCRA 607 ( b ). 

4. Other Reporting Concerns : XXXX  XXXX Bankruptcy ( XXXX XXXX. XXXX ) Reported Date : XX/XX/XXXXXXXX  I request full verification documentation and validation of the source and accuracy of this reporting. 

Inquiries : DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are questionable and were not authorized by me. I request they be investigated and removed if unauthorized. 

Requested Action : I am demanding a full reinvestigation of the above-listed accounts, addresses, and inquiries. If the furnishers and credit reporting agencies can not produce legally sufficient verification, these entries must be immediately deleted or corrected as required by law. 

Under FCRA 611 and 623, furnishers and credit reporting agencies are legally obligated to ensure all data is accurate and verifiable. Continued reporting of unverifiable or false information is a willful violation of federal law and may subject the furnishers and credit bureaus to legal consequences.

I request that the CFPB compel all relevant parties ( creditors, debt collectors, and credit bureaus ) to comply with federal law and correct or remove these inaccurate entries without delay. 

Thank you for your prompt attention to this serious matter. I expect written confirmation that this complaint has been received and investigated.

Company response to consumer: Closed with non-monetary relief