Consumer complaint received 2025-11-19 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: KY

Complaint narrative:
I am submitting this formal complaint because multiple accounts and addresses are being reported on my consumer reports that are fraudulent, inaccurate, unverifiable, and not associated with me in any way. Despite my repeated disputes, the credit bureaus and data furnishers have failed to conduct a lawful investigation under FCRA XXXX and XXXX ( b ). 

XXXX. INACCURATE / FRAUDULENT ADDRESSES ( I do NOT recognize these addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX WRONG ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX WRONG ADDRESS These addresses do not belong to me, and I have never lived at or used these locations. Reporting inaccurate personal identifying information violates FCRA XXXX ( b ) ( maximum possible accuracy ). 

I request CFPB intervention demanding immediate deletion of these fraudulent addresses. 

XXXX. UNAUTHORIZED / UNKNOWN CHARGE-OFF & COLLECTION ACCOUNTS All accounts listed below are being reported without my knowledge or authorization. 
I have NO knowledge of these accounts, never opened them, and they can not be verified with my true information. 
Under FCRA 1681s-2 ( b ), furnishers must delete unverified data. 

* * XXXX XXXX XXXX High Balance : {$2200.00} | Opened : XX/XX/XXXX Status : Charge Off I HAVE NO KNOWLEDGE OF THIS ACCOUNT. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1100.00} | Opened : XX/XX/XXXX Status : Charge Off I HAVE NO KNOWLEDGE OF THIS ACCOUNT. XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} | Opened : XX/XX/XXXX Status : Charge Off I HAVE NO KNOWLEDGE OF THIS ACCOUNT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$8000.00} | Opened : XX/XX/XXXX Status : Charge Off I HAVE NO KNOWLEDGE OF THIS ACCOUNT. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$8300.00} Status : Collection I HAVE NO KNOWLEDGE OF THIS ACCOUNT. * * These accounts remain on my report without any proper verification. 
This violates FCRA 611 ( a ), 612 ( a ), 609 ( a ) ( 1 ) ( A ). 

I demand deletion of these fraudulent accounts. 

XXXX. LATE PAYMENT REPORTING 100 % INACCURATE * * XXXX XXXX XXXX High Balance : {$5800.00} | Opened : XX/XX/XXXX Status : Late Payment * * I have never made a late payment to this creditor. 
The reporting is 100 % inaccurate and violates FCRA 607 ( b ). 

I demand immediate correction and deletion of the late-payment history. 

XXXX. UNAUTHORIZED / SUSPICIOUS INQUIRIES These inquiries were never authorized by me, and I have no relationship with these creditors : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under FCRA 604 ( a ) ( 2 ), no company may pull my credit without a permissible purpose. 
These inquiries must be removed. 

XXXX. WHAT I AM REQUESTING CFPB TO ENFORCE I am requesting that CFPB : Force the credit bureaus and furnishers to conduct a REAL investigation, not an automated E-OSCAR response. 

Require full deletion of all inaccurate addresses. 

Require deletion of all charge-off and collection accounts that I have no knowledge of. 

Force correction of the false late payment. 

Remove all unauthorized inquiries. 

Provide me with written confirmation of the results. 

The credit bureaus failure to comply with the FCRA has significantly harmed me, prevented access to essential credit, and caused emotional and financial distress. 

XXXX. Conclusion I request immediate CFPB intervention. 
The credit bureaus and data furnishers are reporting false, fraudulent, and unverifiable information, which is a direct violation of federal law. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief