Consumer complaint received 2025-10-21 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 fourth round dispute regarding repeated inaccuracies and unauthorized inquiries on my credit report. Despite previous disputes, these errors continue to appear, violating my rights under the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 611, and 623 ( a ), which require maximum possible accuracy, proper reinvestigation, and deletion of unverifiable information. These persistent inaccuracies have caused ongoing financial harm, XXXX, and misrepresentation of my true creditworthiness. I demand a thorough reinvestigation and immediate correction or deletion of the following items : Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These addresses are completely inaccurate and have never been associated with me. Reporting false addresses violates the requirement of accuracy under FCRA 607 ( B ) and 611 ( a ). Linking me to wrong addresses creates a false identity connection, which can lead to mixed-file reporting and identity confusion. I am requesting immediate deletion of these addresses as they are unverifiable and damaging. 

Accounts XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7700.00} Charge Off * * This account was falsely reported as a charge-off without proof of an active agreement or verified obligation. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report inaccurate information, and under 611 ( a ), they must verify all disputed data. Since no contract or signed proof has been provided, this item must be deleted for failure to meet the accuracy and verification standards of federal law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Late Payment * * This account shows inaccurate late payments that were never validated or properly investigated. FCRA 607 ( B ) requires maximum possible accuracy, and reporting late payments without verification violates that standard. The creditor has failed to provide documentation proving any delinquency, and this item should therefore be deleted as unverifiable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * It is contradictory to report this account as charged off while showing a zero balance. This is inaccurate under FCRA 602 ( A ) and misleading to potential creditors. If the account has no outstanding balance, reporting it as a charge-off violates 607 ( B ). I demand deletion for failing to present factual, consistent, and verifiable data. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * This account has no verifiable balance, yet it continues to appear as a charge-off, violating my rights under FCRA 623 ( a ). A zero-dollar charge-off is inaccurate reporting, and without proof of delinquency or default, it must be deleted immediately under 611 ( a ). 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Charge Off * * This charge-off was added without validation from the original creditor. Under FCRA 623 ( b ), furnishers are obligated to verify disputed information. The absence of supporting documents proving ownership or liability makes this entry unverifiable and therefore subject to deletion. 

XXXX  XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Charge Off * * This account was reported without verification of ownership or a signed agreement, violating FCRA 607 ( B ) and 611 ( a ). Reporting unverifiable charge-offs constitutes negligent reporting and must be deleted if validation can not be presented. 

XXXX  XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Charge Off * * This item was reported as a charge-off without any proof or validation notice. Under FDCPA 809 ( b ) and FCRA 623 ( a ), a furnisher must validate a debt before continuing to report it. Since no such validation has been provided, this account is inaccurate and must be deleted. 

XXXX  XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$890.00} Charge Off * * This reporting lacks lawful verification or consumer consent. Under FCRA 611 and 602 ( A ), the data must be verifiable, fair, and accurate. No evidence of this debt has been produced ; therefore, this entry violates federal standards and must be removed. 

XXXX  XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Charge Off * * This charge-off has been reported without a contract or validation from the original creditor. Continued reporting without evidence violates FCRA 623 ( b ) and 607 ( B ). Without verified proof of liability, this item is inaccurate and must be permanently deleted. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Collection * * This collection account has never been validated or supported with any documentation. Under FDCPA 809 ( b ), a debt collector must provide written verification upon request, and under FCRA 611 ( a ), unverifiable data must be deleted. Since no such validation has been received, this item is unlawful and must be deleted immediately. 

XXXX XXXX  XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Collection * * I never had any business relationship or account with XXXX XXXX. Reporting this collection without validation or consumer consent violates FCRA 623 ( a ) and FDCPA 807. Since no proof has been presented, this entry must be deleted for failure to meet the standard of accuracy and verification required by law. 

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Each of these inquiries was performed without my consent or permissible purpose as required under FCRA 604. None of these entities were given written authorization to access my credit report. Unauthorized inquiries are a violation of my privacy and federal consumer rights and must be immediately removed.

These repeated reporting errors and unauthorized inquiries demonstrate a pattern of negligence and noncompliance by the credit bureaus and furnishers, violating FCRA Sections 607 ( b ), 611, and 623 ( a ). These actions have caused ongoing harm to my financial standing, created XXXX, and misrepresented my credit history. I demand immediate reinvestigation, deletion, and correction of all inaccurate or unauthorized information listed above and confirmation in writing of all corrective actions taken.

Company response to consumer: Closed with non-monetary relief