Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
I am filing this formal complaint regarding several serious inaccuracies and unauthorized items appearing on my credit reports. These incorrect entries are harming my credit standing and do not reflect my true financial history. 

1. Incorrect Address Reporting The address XXXX XXXXXXXX XXXX XXXX MD XXXX is being reported on my credit file. This is not my address, and I have no connection or association with this location. Reporting this incorrect address constitutes a violation of the Fair Credit Reporting Act ( FCRA ) as it presents misleading identifying information. 

2. Accounts Reported as Charge-Off or Collection ( No Knowledge ) The following accounts are being reported as charge-offs or collections, which I have no knowledge of, have never opened, and have no contractual relationship with the named creditors : XXXX XXXX XXXX XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX High Balance : {$20000.00} Date Opened : XX/XX/XXXX Charge Off XXXX  XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX High Balance : {$670.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Collection XXXX  XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXXXXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXXXXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Collection I do not recognize these accounts and have no recollection of ever authorizing or initiating credit relationships with these entities. These appear to be fraudulent or misreported accounts, and I am requesting that they be thoroughly investigated and permanently deleted from all credit bureau reports. 

3. Accounts Incorrectly Reported as Late Payment The following accounts are being inaccurately reported with late payment histories : XXXXXXXX XXXX XXXX XXXX High Balance : {$16000.00} Date Opened : XX/XX/XXXX XXXX XXXX High Balance : {$23000.00} Date Opened : XX/XX/XXXX I have never made any late payments on these accounts, and the reported payment history is false and damaging. I request immediate correction to reflect a perfect payment record as required under FCRA 623 ( a ) ( 1 ) ( A ).

4. Unfamiliar and Possibly Unauthorized Hard Inquiries My report also lists multiple recent hard inquiries that I did not authorize : 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 I did not provide consent for these companies to access my credit profile. These unauthorized inquiries are in violation of the Fair Credit Reporting Act and must be removed immediately. 

Requested Action I am requesting the CFPB to conduct a formal investigation into these inaccuracies and ensure compliance with the FCRA. Please direct the involved furnishers and credit reporting agencies to : Delete all fraudulent and unverified charge-off and collection accounts, Correct all inaccurate late payment data, Remove all unauthorized hard inquiries, and Delete any wrong address from my credit file. 

I expect written confirmation of the investigation and final resolution within the timeframe required under federal law. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief