Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information that Equifax is reporting on my consumer credit file. Under the Fair Credit Reporting Act, Equifax is required to ensure maximum possible accuracy, yet my credit report continues to contain information that is incorrect, not mine, or not properly investigated. 

Equifax is reporting the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX on my credit report. This address is not mine, I have no knowledge of it, and I have never lived at or been associated with this location. Its continued reporting is inaccurate, and Equifax must delete this address from my credit file. 

Equifax is also reporting the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX on my credit report. This address is not mine, I do not recognize it, and I have no association with it. Equifax is required to delete this address immediately as it does not belong to me. 

Equifax is reporting a XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, with a reported high balance of {$660.00}, showing late payment history. The late payment information being reported on this account is inaccurate. I am not disputing the account itself, only the incorrect late payment reporting, and I am requesting that Equifax reinvestigate and correct or remove any late payment information that can not be fully verified. 

Equifax is also reporting another XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, with a reported high balance of {$660.00}, showing late payment history. The late payment reporting on this account is inaccurate and does not reflect correct payment behavior. Equifax must correct or delete any late payment information that can not be substantiated through a proper reinvestigation. 

Equifax is reporting a XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, with a reported high balance of {$33000.00}, showing late payment history. The late payment reporting on this account is inaccurate and not properly verified. I am requesting correction or removal of any late payment information that can not be fully validated. 

Equifax is reporting a XXXX XXXX account, opened on XX/XX/XXXX, with a reported balance of {$1300.00}, listed as a collection account. I have no knowledge of this account, I do not recognize it, and it is not mine. Equifax must conduct a proper investigation and delete this account if it can not provide competent evidence that this account belongs to me. 

Equifax is also reporting a XXXX XXXX XXXX account, opened on XX/XX/XXXX, with a reported balance of {$630.00}, listed as a collection account. I do not recognize this account, have no knowledge of it, and it is not mine. If Equifax can not verify this account with valid documentation, it must be deleted immediately. 

Equifax is reporting a XXXX inquiry dated XX/XX/XXXX on my credit report. I did not authorize this inquiry, did not provide permissible purpose, and have no knowledge of it. This inquiry is inaccurate and must be removed. 

Equifax is also reporting an XXXX inquiry dated XX/XX/XXXX that I did not authorize and do not recognize. This inquiry lacks permissible purpose and must be deleted. 

Equifax is reporting a XXXX inquiry dated XX/XX/XXXX that I did not authorize or consent to. This inquiry is inaccurate and must be removed unless Equifax can provide proof of permissible purpose. 

Equifax is required to conduct a reasonable reinvestigation and ensure that only complete, accurate, and verifiable information is reported. I am requesting deletion of the incorrect addresses, correction or removal of inaccurate late payment history, deletion of all unverifiable collection accounts, and removal of all unauthorized inquiries. 

I am requesting written confirmation once these corrections and deletions have been completed.

Company response to consumer: Closed with non-monetary relief