Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am submitting this formal complaint to report multiple serious inaccuracies and improper credit reporting practices being conducted by the entities listed below. These inaccuracies are causing significant harm to my credit reputation and financial standing.

1. Wrong Address Reporting The following address is being incorrectly reported on my credit file, and I have no association or residency history at this address : XXXX XXXX XXXX, XXXX, IL XXXX This false address is a clear indication of inaccurate personal information reporting and a potential violation of the Fair Credit Reporting Act ( FCRA ), Section 602A, which requires credit reporting agencies to maintain maximum possible accuracy of consumer information. 

XXXX. Charge-Off Accounts I Have No Knowledge Of The following accounts are being reported as Charge Off, which I have no knowledge of, never authorized, and never held any contractual relationship with these furnishers : XXXX XXXX XXXX XXXX ( Acct : XXXX ) High Balance : {$130000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX Acct : XXXX ) High Balance : {$0.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Acct : XXXX ) High Balance : {$0.00} Date Opened : XX/XX/XXXX These entries are false and unverifiable. I demand that the CFPB investigate how these accounts were furnished without any legitimate consumer authorization, as this constitutes a violation of FCRA Sections 604 and 623, regarding permissible purpose and accuracy in furnishing information. 

XXXX. Collection Account I Do Not Recognize The following account is being reported as a collection, which I also have no knowledge or record of ever owing : XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX ) High Balance : {$4400.00} Date Opened : XXXXXX/XX/XXXX This account is inaccurate and damaging. XXXX XXXX XXXX has furnished unverifiable data without proper validation, which violates the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 8 ) and FCRA Section 623 ( a ) ( 1 ) ( A ). 

XXXX. Incorrect Late Payment Reporting The following account is inaccurately reporting a late payment. I have never made a late payment on this account : XXXX XXXX ( Acct : XXXX ) High Balance : {$240.00} Date Opened : XX/XX/XXXX This is an inaccurate reporting of payment history and must be corrected immediately. I am requesting that the CFPB require the furnisher and credit reporting agencies to amend this account to reflect an accurate, on-time payment record. 

XXXX. Multiple Unverified and Excessive Inquiries The following hard inquiries were not authorized by me and should be removed from my credit file immediately : 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 XXXXXX/XX/XXXX I did not authorize or initiate any of these inquiries. These repeated inquiries may indicate potential identity misuse or unauthorized access to my credit file.

Requested Actions : Conduct a complete and thorough investigation into all accounts and addresses listed above.

Require the furnishers and credit reporting agencies to delete or correct all inaccurate, unverifiable, or unauthorized information from my credit report.

Provide written confirmation of the investigation results and any corrective actions taken.

I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) to dispute and demand verification of all the listed items. If the CFPB finds that these entities are furnishing false, incomplete, or unverifiable information, I request that appropriate enforcement actions be taken to ensure compliance and accountability. 

Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of your findings and actions.

Company response to consumer: Closed with non-monetary relief