Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I am filing this complaint because my Equifax credit report is being reported with multiple inaccurate, incomplete, and unverifiable accounts and inquiries that continue to cause me financial and personal harm. Despite my rights under the Fair Credit Reporting Act, Equifax and the furnishers of this information have failed to maintain accuracy and have allowed harmful information to remain on my file without proper verification. 

The accounts that are being reported in error include XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high credit of {$26000.00}, which is showing late payments that are inaccurate and can not be substantiated. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high credit of {$610.00}, is being furnished as a charge off even though the reporting is false and misleading. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high credit of {$10000.00}, is being reported as a charge off without any verifiable or accurate supporting records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high credit of {$10000.00}, is listed as a charge off but the information is inaccurate and harmful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high credit of {$3200.00}, is also being reported as a charge off in a way that is neither complete nor verifiable. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$1500.00}, is being reported as a charge off with incomplete and inaccurate details. 

In addition to the above tradelines, my Equifax credit file is also showing several inquiries that were not properly authorized and serve no permissible purpose under the law. These include XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. These inquiries were not initiated or approved by me and are unlawfully damaging my credit profile. 

My report also contains an incorrect address, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX, which is not my correct address and should not be linked to my file. The inclusion of this false personal information raises serious concerns about the reliability and accuracy of my credit report. 

Because of these accounts, inquiries, and the wrong address, I have suffered lowered credit scores, denials of financial opportunities, and ongoing stress. This inaccurate and unverifiable reporting violates my rights under the FCRA and demonstrates a failure of both Equifax and the furnishers to meet their legal obligations. I am requesting that the Consumer Financial Protection Bureau take immediate action, require Equifax to reinvestigate these items, and ensure that all inaccurate, unverifiable, and unauthorized information is permanently deleted so that my credit report is accurate and reflects only truthful information.

Company response to consumer: Closed with non-monetary relief