Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
Dear CFPB, I am filing this formal complaint against several credit furnishers and credit reporting agencies for the inaccurate, misleading, and unverified information appearing on my credit report. Despite my consistent efforts to maintain accuracy and good standing, multiple accounts and an address have been reported incorrectly, severely damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Below are the specific items and issues that I am disputing : Wrong Address Reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX This address does not belong to me, nor have I ever lived, worked, or received mail there. Reporting this address is a violation of the FCRA as it falsely associates me with a location I have no connection to, potentially linking me to accounts or activity that are not mine. I demand the immediate removal of this incorrect address from my file to prevent further damage and misrepresentation. 
XXXX XXXX XXXX Opened XX/XX/XXXX High Balance {$2100.00} Reported as Charge Off I dispute this account as inaccurate. I have no knowledge of ever having an account with this number or status. No documentation has ever been provided to verify its legitimacy, contract, or payment history. Reporting a Charge Off without validation violates FCRA 609 ( a ) and 611 ( a ). I request this account be deleted from my credit file unless the furnisher can provide full validation including signed agreement, payment records, and itemized statements. 
XXXX XXXX  XXXX Opened XX/XX/XXXX High Balance {$9700.00} Reported as Charge Off This account is also disputed. I have never received any valid billing statements or proof of ownership for this account. Reporting a charge-off without verified documentation is an act of negligence and misinformation. If XXXX XXXX  can not produce verified, original signed documentation proving this debt is valid and mine, it must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX High Balance {$500.00} Reported as Late Payment This account is being disputed for inaccurate payment history. I have never made any late payments on this account, yet it continues to reflect negative marks. This is a clear violation of FCRA 607 ( b ), which requires furnishers to report data with maximum accuracy. I request immediate correction of the payment history to reflect that all payments were made on time. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX High Balance {$1200.00} Reported as Charge Off I have no record or memory of ever opening an account with XXXX XXXX or XXXX Bank. There is no valid documentation proving I authorized or utilized any credit line under this number. Until verifiable proof such as an original signed contract or complete billing history is provided, this must be deleted as unverified per FCRA 611 ( a ). 
XXXX XXXX XXXX Opened XX/XX/XXXX High Balance {$7300.00} Reported as Charge Off This account is not recognized. I have never held or authorized any account under this number. Reporting it as a charge-off without evidence is a false representation and damages my credit reputation. I am requesting full validation or immediate deletion. 
XXXX XXXX XXXX Opened XX/XX/XXXX High Balance {$1300.00} Reported as Collection I dispute this account in its entirety. I have no contract or relationship with XXXX XXXX. I have never been notified, billed, or contacted with legitimate documentation regarding this account. The debt appears fabricated or misassigned, which is a violation of FCRA 623 ( a ). This item must be deleted unless verified with full documentation of ownership and assignment of debt. 
XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Balance {$1100.00} Reported as Collection This is another account that is completely unrecognized. I have no business with this entity, and there is no signed documentation linking me to this debt. I am formally disputing its accuracy and demanding deletion unless validation can be produced under FCRA 611 ( a ). 
XXXX XXXX Opened XX/XX/XXXX High Balance {$0.00} Reported as Collection This account is inaccurate. I do not owe XXXX or any third party any balance. Reporting a {$0.00} balance as a collection account is misleading and harms my credit score. This reporting must be removed as it fails to meet the maximum possible accuracy standard under FCRA 607 ( b ). 
XXXX Inquiry Date : XX/XX/XXXX I also dispute this inquiry as unauthorized. I did not apply for any credit or services with XXXX XXXX on or around this date. Please delete this inquiry from my credit report immediately. 
Summary of Violations The above items demonstrate repeated violations of multiple sections of the Fair Credit Reporting Act, including but not limited to : 607 ( b ) Failure to maintain maximum possible accuracy 611 ( a ) Failure to properly reinvestigate disputed information 609 ( a ) Failure to provide full disclosure of information 623 ( a ) Furnishing inaccurate or unverifiable information 604 ( a ) Unauthorized inquiries without permissible purpose These violations have caused me emotional distress, loss of credit opportunities, and severe harm to my credit reputation.

Company response to consumer: Closed with non-monetary relief