Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : 1. Incorrect Address Reporting Disputed Address : XXXX XXXX XXXX, XXXX, SC, XXXX I have never resided at or been associated with this address. Reporting this address constitutes a violation of : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy of consumer information. 
15 U.S.C. 1681i ( a ) Failure to reinvestigate and delete inaccurate information. 
2. Derogatory Account Charge Off XXXX  XXXX Account Number : XXXX High Balance : {$320.00} Date Opened : XX/XX/XXXX Status : Charge Off This account is reported with negative information that I believe to be inaccurate or unverifiable. I have not received proper validation of this debt, and no legal notice was served to inform me of the charge-off. 
Violation of : 15 U.S.C. 1681s-2 ( b ) Furnishers must conduct a proper investigation upon dispute. 
15 U.S.C. 1692g ( b ) Failure to validate debt after request under FDCPA. 
3. Collection Account XXXX XXXX Account Number : XXXX High Balance : {$87.00} Date Opened : XX/XX/XXXX Status : Collection I dispute the validity of this collection. I never received proper documentation or debt validation, and the reporting agency failed to provide verification after I disputed it. 
Violation of : 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate disputed information. 
15 U.S.C. 1692g ( a ) - ( b ) No proper validation notice was sent before reporting to the credit bureaus. 
4. Unauthorized Hard Inquiries I am also disputing the following hard inquiries, which were made without my authorization or permissible purpose : 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 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  These inquiries were made without my consent, and I never applied for credit with these entities. They violate : 15 U.S.C. 1681b ( f ) Obtaining a consumer report under false pretenses or without a permissible purpose. 
15 U.S.C. 1681n and 1681o Civil liability for willful or negligent noncompliance with FCRA. 
Requested Action : 1. Immediately remove the incorrect address from my credit file. 
2. Delete or properly validate the XXXX XXXX and XXXX XXXX accounts. 
3. Remove all the unauthorized hard inquiries listed above. 
4. Provide a full reinvestigation under FCRA 1681i and confirm compliance with FDCPA 809. 
I request that CFPB investigate this matter urgently. These issues are damaging my credit standing and affecting my access to financial opportunities. If these violations are not corrected promptly, I am prepared to pursue further legal action.

Company response to consumer: Closed with non-monetary relief