Consumer complaint received 2025-05-27 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: VA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., involving the inclusion of false personal data, unverified derogatory tradelines, and unauthorized inquiries on my credit reports. Despite prior disputes submitted to the credit reporting agencies, these inaccurate items remain uncorrected, causing material harm to my creditworthiness and personal well-being. 
Incorrect Addresses Listed Without Authorization or Residency : The following addresses are appearing on my credit profile even though I have never resided at, used, or authorized the use of these locations : XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX These entries are either the result of data contamination or identity confusion. Under 1681e ( b ), consumer reporting agencies must adopt procedures to ensure accuracy. These addresses are not mine, and their inclusion constitutes a privacy and reputational breach. 
Dept of EducationXXXX Loans Reporting Late Payments : I am disputing the accuracy and legal standing of the following student loan accounts being reported as delinquent by XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$22000.00} ( opened XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balances : {$3700.00}, {$1700.00}, {$6700.00}, {$3700.00} ( opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balances : {$2200.00}, {$3500.00} ( opened XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$7300.00} ( opened XX/XX/XXXXXXXX  ) I previously submitted disputes stating that these late payments are inaccurate and were due to forbearance periods, miscommunication during servicer transfers, or were made current. No verification from the furnisher was provided. Continued reporting without confirmation violates 1681i and 1681s-2 ( b ). 
XXXX XXXXXXXX Accounts Wrongfully Charged Off : Two separate Upgrade accounts are listed as charge-offs without any proper validation : XXXXXXXX XXXX XXXX {$7000.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5800.00}, opened XX/XX/XXXXXXXX  These accounts were either disputed directly or the balances were resolved. Reporting them as charged-off without accurate validation or providing a 1099-C violates IRS and FCRA standards . 
Suspicious and Potentially Unlawful Hard Inquiries : Numerous hard inquiries appear on my file dated into the future ( XXXX and XXXX ) or without my consent, including : 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  ) I did not authorize these credit checks. FCRA 604 requires permissible purpose for all inquiries. Reporting unauthorized or future-dated inquiries constitutes gross negligence and data mismanagement. 
These inaccuracies have caused direct harm including denial of credit, elevated borrowing costs, and ongoing emotional distress. I am requesting the CFPB conduct a full investigation into these issues, enforce compliance, and compel deletion of all unverifiable and incorrect information in accordance w

ith 1681i and 1681e ( b ). I also reserve the right to pursue damages under 1681n and 1681o for continued noncompliance.

Company response to consumer: Closed with non-monetary relief