Consumer complaint received 2025-10-28 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, This is a formal complaint being filed against XXXX  and several data furnishers for knowingly and willfully reporting inaccurate, unverifiable, and unauthorized information on my credit report. The listed items include collection accounts and hard inquiries that were never authorized, verified, or supported by any lawful documentation. These entities are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act. I am demanding the CFPB to investigate these violations immediately and enforce correction and deletion of all false entries. 
The following accounts have been reported inaccurately as collections without proper validation or consumer authorization : Incorrect Addresses Reported : XXXX XXXX XXXX, XXXX, SC, XXXX Wrong Address XXXX XXXX XXXX, XXXX, SC, XXXX Wrong Address These addresses have no legitimate connection to me, my residence history, or any verified account under my identity. The presence of these incorrect addresses strongly indicates either data contamination, misfiled information, or potential identity theft. You are required by FCRA 611 ( A ) to conduct a thorough reinvestigation of these entries and delete them if you can not verify them through proper, lawful documentation from a reliable data furnisher. 
In addition to the false address information, the following accounts are being reported with serious inaccuracies in payment history, charge-off status, and account handling. These accounts have either been reported in error, are unverifiable, or have inaccurate payment data that does not reflect my actual credit behavior. 
Accounts in Dispute : XXXX  XXXX BANK XXXX XXXXXXXX Date Opened : XX/XX/XXXX | High Credit : {$400.00} Issue : Late Payment I have no record of any late payment on this account. My records and payment confirmations show that I have made all payments in a timely manner. Reporting this account as delinquent is inaccurate and violates FCRA 607 ( B ), which requires consumer reporting agencies to ensure maximum possible accuracy of all information reported. I demand immediate correction and removal of the late payment history. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$300.00} Issue : Charge Off I have no knowledge of this alleged charge-off and have never received any lawful notice of default, validation, or charge-off documentation from the furnisher. Reporting this as a charge-off without verified evidence is a direct violation of FCRA 623 ( A ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate or unverifiable information. This account must be deleted immediately. 
XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$250.00} Issue : Late Payment I strongly dispute this alleged late payment. I have maintained all obligations on time. Reporting this inaccurately is harming my creditworthiness and constitutes a breach of FCRA 607 ( B ). You must contact the furnisher to obtain lawful validation, or otherwise, delete the negative reporting immediately. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$0.00} Issue : Charge Off I have no knowledge or connection to any account with this creditor. This appears to be a case of mixed file or mistaken identity. Reporting this account is fraudulent and violates FCRA 604 ( A ) ( 3 ) ( F ) and 611 ( A ). Delete this account immediately as unverifiable. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$0.00} Issue : Charge Off I have never opened or maintained any account with this creditor. This reporting is false, misleading, and damaging. I am requesting immediate deletion of this account for failure to verify ownership, consistent with FCRA 611 ( A ) ( 5 ). 
XXXX XXXX XXXX Opened : XX/XX/XXXX | High Credit : {$0.00} Issue : Late Payment These entries are being reported multiple times with incorrect late payment notations. I have never been late on these student loan accounts, and the duplicate reporting amplifies the damage caused by the inaccuracies. This violates FCRA 602 ( A ) and 607 ( B ). Each duplicate entry must be reviewed and either corrected or permanently deleted. 
XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$0.00} Issue : Late Payment This account is being reported with a late payment history that is entirely inaccurate. I have never made late payments on this student loan, and no documentary evidence exists to justify this negative reporting. This constitutes a direct violation of FCRA 607 ( B ), which mandates that consumer reporting agencies must ensure maximum possible accuracy. 
XXXX XXXX XXXX Opened : XX/XX/XXXX | High Credit : {$0.00} Issue : Late Payment This appears to be a duplicate and misreported entry of the same account. Reporting duplicate items creates a misleading and damaging credit impression and violates FCRA 602 ( A ) and 611 ( A ) ( 5 ) by misrepresenting credit data and failing to prevent duplication errors. 
XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$0.00} Issue : Late Payment I strongly dispute the late payment status on this account. I have never received any notice or documentation validating any delinquency. This false reporting violates FCRA 623 ( A ) ( 1 ) ( A ), which prohibits furnishers from knowingly reporting inaccurate or unverifiable information. 
XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$0.00} Issue : Late Payment This is another duplicate and inaccurate entry that appears to have been re-reported under different internal reference numbers. It is misleading, unlawful, and violates the Fair Credit Reporting Acts requirement for accurate and non-duplicative reporting. I demand deletion or correction under FCRA 611 ( A ) ( 5 ). 
XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$0.00} Issue : Charge Off I have never had an account with XXXX  that has been charged off, nor have I received any lawful communication from this creditor validating such a claim. The absence of verifiable documentation makes this entry a clear violation of FCRA 607 ( B ) and 611 ( A ), requiring its immediate deletion. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Unpaid Balance : {$4200.00} Issue : Collection I have no knowledge of this account or any debt owed to XXXX Funding. This entity is known to purchase and report unverifiable debt without proper documentation or assignment records. Reporting this collection account without validation is in direct violation of FCRA 623 ( B ) ( 1 ) and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). I am demanding immediate deletion of this collection entry unless verifiable documentation of debt ownership, contract, and full payment history is produced within 30 days as required by law. 
XXXX XXXX Date Opened : XX/XX/XXXX | Unpaid Balance : {$2900.00} Issue : Collection I have no knowledge or record of any account with XXXX. I have never received any communication, billing, or validation from this alleged creditor. Reporting this as a collection is inaccurate, misleading, and unlawful under FCRA 623 ( A ) ( 1 ) ( A ), which forbids furnishers from reporting unverifiable or false data. Unless documented proof of this debt and my contractual obligation is produced, this entry must be permanently deleted under FCRA 611 ( A ) ( 5 ). 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Unpaid Balance : {$2500.00} Issue : Collection I dispute this account entirely. I have no record or agreement with XXXX XXXX for this alleged debt. This appears to be a debt-buyer account without proper ownership or validation. Reporting unverifiable debt violates both FCRA 607 ( B ) and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), which requires proper validation before any reporting. This collection entry must be removed immediately for failure to meet verification standards. 
Unauthorized and Excessive Hard Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Each of these inquiries is unauthorized and was not initiated or permitted by me. I did not apply for credit with any of these entities on or around the listed dates. Reporting or allowing these hard inquiries without my explicit consent constitutes a violation of FCRA 604 ( A ) ( 2 ) and 615 ( a ), which require a permissible purpose before accessing or furnishing a consumers credit file. These inquiries represent unauthorized access and misuse of my personal credit information. I am demanding immediate removal of all unauthorized inquiries and a full reinvestigation of how these entities obtained access to my file. 
The continued presence of these unverifiable and inaccurate entries after my prior disputes demonstrates reckless disregard for the truth and willful noncompliance with the Fair Credit Reporting Act. These violations have caused harm to my credit reputation, emotional distress, and financial injury by lowering my credit score and affecting my ability to obtain credit fairly. I am demanding that the CFPB conduct a full investigation into XXXX, XXXX, XXXX Funding, and all inquiry furnishers listed above to determine how these entries were added, who authorized them, and what steps were taken to verify their legitimacy. 
Pursuant to FCRA 611 ( A ) ( 5 ) and 623 ( B ) ( 1 ), I demand deletion of any item that can not be fully substantiated with lawful documentation. Additionally, I request the CFPB to enforce compliance actions and penalties against the parties responsible for violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am submitting this complaint in good faith, seeking protection under federal consumer law and restoration of the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief