Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding multiple inaccuracies and possible duplications in my credit report, including inaccurate charge-off entries, incorrect collection listings, and erroneous addresses that continue to harm my credit standing. 
XXXX. Inaccurate and Duplicative Charge-Offs & Collections Despite multiple prior dispute efforts, the following accounts still reflect inaccurate or potentially duplicative charge-off, collection, or late payment statuses : Charge-Off Accounts : XXXX/XXXX  Account # : XXXX * * * XXXX * * High Balance : {$710.00} Date Opened : XX/XX/XXXX XXXX  XXXX/XXXX  Account # : XXXX * * * * High Balance : {$320.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX * * * * * * * * * * * High Balance : {$26000.00} Date Opened : XX/XX/XXXX XXXX/XXXX  XXXX  Account # : XXXX * * * * * High Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX * * * * * * High Balance : {$20000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX * * * XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  Account # : * * * * High Balance : {$2500.00} Date Opened : XX/XX/XXXX Collection Accounts ( Possible Duplicates/Unverified ) : XXXX  XXXX  XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Accounts : o # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$320.00} Date Opened : XX/XX/XXXX o # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$610.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX * High Balance : {$980.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX High Balance : {$230.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXX * * * High Balance : {$530.00} Date Opened : XX/XX/XXXX XXXX Payment Issues ( Potential Duplication/Reporting Errors ) : XXXX XXXX XXXX XXXX Multiple entries with overlapping dates and balances : o Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3500.00} Opened : XX/XX/XXXX o Account # XXXX XXXX High Balance : {$2100.00} and {$500.00} Opened : XX/XX/XXXX and XX/XX/XXXX o Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} and {$500.00} Opened : XX/XX/XXXX and XX/XX/XXXX o Account listed as XXXX XXXX XXXX Account # XXXX * Duplicate Entry XXXX XXXX XXXX Multiple entries with recent opening dates : o Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$350.00} Opened : XX/XX/XXXX o Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$240.00} Opened : XX/XX/XXXX XXXX. Inaccurate Address Listings My credit file continues to reflect multiple incorrect or outdated addresses, none of which are associated with my verified residency history. These misreportings violate FCRA obligations for accuracy and reinvestigation. The following addresses are erroneous and must be removed : - XXXXXXXX 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 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. Requested Relief Under the FCRA, I respectfully request : XXXX. An immediate and full reinvestigation of all disputed accounts and addresses ; XXXX. Deletion of inaccurate, outdated, and duplicative entries, including charge-offs, collections, and wrong addresses ; XXXX. Written confirmation of your investigation results and all actions taken ; XXXX. If any account is verified, I request full documentation of validation from the original creditor or debt owner as required by law. 
Please consider this notice as a formal dispute and investigation request under XXXX XXXX. XXXX ( a ). I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies if these reporting issues are not addressed promptly and in good faith. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief