Consumer complaint received 2025-06-03 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:
To Whom It XXXX Concern, I am submitting this formal complaint regarding numerous inaccurate, incomplete, and misleading entries on my credit reports, which have XXXX XXXX  my financial reputation and creditworthiness. Despite my attempts to dispute these errors directly with the creditors and credit bureaus, the issues remain unresolved. 
Below is a detailed list of accounts and addresses involved in these violations : Accounts with Late Payments and XXXX Issues : XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$93000.00} Date Opened : XX/XX/XXXX XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$66000.00} Date Opened : XX/XX/XXXX ( Additional accounts as listed in my previous correspondence including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX and others XXXX XXXX Incorrect and Fraudulent Addresses Reported on Credit File 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 As XXXX as multiple other incorrect addresses across XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of XXXX XXXX : XXXX. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. : The credit reporting agencies and furnishers have violated XXXX XXXX. XXXX ( b ) by failing to ensure maximum accuracy of the reported information. 
The continuous presence of inaccurate XXXX payments, wrong balances, and erroneous addresses violates XXXX XXXX. XXXX, which requires prompt and reasonable investigation of disputed information. 
Maintaining false or unverifiable information in my credit file is a breach under XXXX XXXX. XXXX. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq. : Debt XXXX reporting unverified or false debts and misrepresenting the status of accounts violate XXXX XXXX. XXXX ( false or misleading representations ) and XXXX ( unfair practices ). 
XXXX disputed debts without validation constitutes XXXX and is unlawful under FDCPA. 
XXXX. Fair and Accurate Credit Transactions Act ( XXXX ) : The failure to maintain accurate records and properly respond to disputes violates XXXX 's consumer protection mandates. 
Request for XXXX : XXXX removal or correction of all inaccurate, incomplete, or unverifiable information across XXXX XXXX XXXX XXXX 
Deletion of all fraudulent and incorrect addresses that do not belong to me. 
Written confirmation once these corrections are completed. 
XXXX that no further inaccurate negative information will be reported. 
Consideration of appropriate remedies or compensation for XXXX XXXX due to these errors. 
I expect this complaint to be treated with the urgency it deserves. Should these inaccuracies persist, I will pursue further legal actions including complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and potentially civil litigation for damages related to the violation of federal consumer protection laws. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief