Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate, unverified, and misleading items appearing on my credit reports. I have repeatedly disputed these entries with the credit bureaus and the furnishers, yet the information remains unresolved and continues to harm my credit profile. I am requesting immediate investigation and enforcement action. 

Below are the disputed items : 1. Wrong Address Reporting XXXXXXXX XXXX XXXX XXXX, SC XXXX This is NOT my address and has been falsely associated with my credit file. I am requesting this incorrect address be removed immediately as it exposes me to potential fraud, misidentification, and improper credit reporting. 

2. Charge-Off Accounts Reported Without My Knowledge These accounts are reported as charge-offs, but I have no knowledge of these accounts. They are unverified, inaccurate, and must not remain on my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  | Reported Balance : {$50.00} | Status : Charge-Off * * I do not recognize this account and have no knowledge of any debt owed to this company. I am demanding full deletion due to failure of verification. 

XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX  | Reported Balance : {$0.00} | Status : Charge-Off * * I have no knowledge of this account, have never authorized it, and demand permanent deletion for failure to validate its legitimacy. 

3. Late Payment History Reported Inaccurately The following accounts are reporting late payments that are 100 % incorrect. I have never made any late payments to these creditors. These entries are inaccurate and damaging.

I am requesting correction of payment history, NOT deletion of the accounts. 

XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  | Balance : {$16000.00} | Status : Late Payment The reported late payments are false and must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$12000.00} | Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  | Balance : {$6700.00} | Status : Late Payment * * Both XXXX accounts contain incorrect late payment reporting. I have never been late and demand a full correction of the payment history. 

Requested Action by CFPB I request that the CFPB require the furnishers and credit bureaus to : Remove all unverified charge-off accounts that I have no knowledge of. 

Correct all inaccurate late payment reporting to accurately reflect my on-time payment history. 

Remove the falsely reported address from my credit file. 

Provide me with written confirmation of the results of your investigation. 

These errors violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to maintain maximum possible accuracy ( 1681e ( b ) ) Failure to properly investigate disputes ( 1681i ) Reporting information without proper verification ( 1681s-2 ) I expect a thorough investigation and swift resolution.

Thank you for your attention.

Company response to consumer: Closed with non-monetary relief