Consumer complaint received 2025-10-24 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: DE

Complaint narrative:
Dear Sir/Madam, I am submitting this formal complaint regarding multiple inaccurate items reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies must conduct a reasonable investigation and ensure that all information reported is accurate. I have identified the following inaccuracies : XXXX XXXX XXXX, XXXX, DE XXXX This address is not associated with me in any capacity. Reporting it on my credit report is misleading and damaging. Please remove it immediately. 
XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX I have never resided here. I request its deletion to ensure my credit file accurately reflects my personal information. 
XXXX XXXX XXXXXXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$0.00} ) Charge Off XXXX XXXX  I have no knowledge of this account and did not authorize or open it. This account should be removed immediately under 15 U.S.C. 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXX, XXXX : {$1900.00} ) Charge Off XXXX XXXX  This account is not mine and should be removed immediately. 
DEPTED/XXXX  XXXX XXXX XXXX ( Opened : XX/XX/XXXX, XXXX : {$54000.00} ) XXXX XXXX The late payment status reported here is incorrect. I have always made timely payments and request correction of the payment history, not deletion. 
DPT EDXXXX XXXXXXXX XXXX  ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) XXXX XXXX Reported late payments are false. Please update the payment history to reflect my timely payments. 
DPT EDXXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX Late payment reporting is inaccurate. Correct payment history is requested. 
XXXX XXXX  XXXX ( Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX Late payments are falsely reported. Correct history requested. 
DPT EDXXXX XXXX XXXX  ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) XXXX XXXX Reported late payments are not accurate. XXXX correction required. 
DPT ED/XXXX XXXX XXXX  ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) XXXX XXXX Reported late payments on this account are incorrect. I have always maintained timely payments and request correction of the payment history. 
DPT EDXXXX XXXX XXXX  ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) XXXX XXXX Late payment reporting is false. Please update the account to accurately reflect my payment history. 
DPT EDXXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX I dispute the reported late payments ; correction of account history is requested. 
DPT EDXXXX XXXX XXXX  ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) XXXX XXXX  This account has been inaccurately reported as late. I request immediate correction. 
DPT EDXXXX XXXX XXXX  ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) XXXX XXXX Reported late payments are false. Correct history is requested under FCRA 611.

Hard Inquiries ( Unauthorized / Inaccurate ) The following inquiries are either unauthorized or inaccurately reported : XXXX XX/XX/XXXX I did not authorize these inquiries. Under FCRA 604, these should be removed immediately from my credit report.

Request for Action Under FCRA 611, I am requesting : 1. A thorough investigation of all disputed items.

2. Correction of all inaccurate late payment histories.

3. Deletion of collection accounts I do not recognize.

4. Removal of unauthorized or inaccurate hard inquiries.

5. Written confirmation of the completion of the investigation and any changes made to my credit report. 
These inaccuracies are negatively impacting my creditworthiness and causing financial harm. I request that CFPB take prompt action to ensure my credit report accurately reflects my financial history. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation