Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
I am submitting this complaint because my credit reports contain several serious inaccuracies and fraudulent items that are damaging my credit profile and reputation. I have no knowledge or association with the accounts listed below, and multiple incorrect addresses have also been linked to my credit file without my authorization.

Incorrect Personal Information ( Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX Wrong AddresXXXX XXXX XXXX XXXX, XXXX, NY XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Wrong Address These addresses are not associated with me and must be removed from my credit reports immediately. Their presence raises concerns of possible identity misuse or reporting errors by the credit bureaus or furnishers. 

Disputed Accounts ( Unauthorized / Inaccurate Reporting ) : XXXX ( Account Ending XXXXXXXX XXXX  ) High Balance : {$14000.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. This reporting is inaccurate and must be deleted. 

XXXX ( Account Ending XXXXXXXX XXXX XXXX XXXX  ) High Balance : {$5800.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. This entry must be removed as it is false and damaging. 

XXXXXXXX XXXX  ( Account Ending XXXXXXXX XXXX XXXX  ) High Balance : {$3800.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. This appears to be an unauthorized or fraudulent entry. 

XXXX XXXX ( Account Ending XXXXXXXX XXXX ) High Balance : {$1800.00} Date Opened : XX/XX/XXXX Status : Late Payment This reporting is inaccurate. I have never made any late payments on any account. The payment history must be corrected to reflect a perfect payment record. 

XXXX XXXX XXXX ( Account Ending XXXXXXXX XXXX  ) High Balance : {$12000.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. It should be immediately deleted from all credit reports. 

XXXX XXXX XXXX ( Account Ending XXXXXXXX XXXX ) High Balance : {$39000.00} Date Opened : XX/XX/XXXX Status : Late Payment This reporting is completely inaccurate. I have never made a late payment, and this must be corrected immediately. 

Summary of Violations : These errors represent violations of the Fair Credit Reporting Act ( FCRA ) specifically Sections 602 ( A ), 604 ( A ), and 611, which require accuracy, permissible purpose, and proper reinvestigation.

The furnishers and credit bureaus have failed to maintain maximum possible accuracy of information in my credit file. This has caused emotional distress, credit denials, and financial harm.

Requested Actions : Conduct a full investigation into these accounts and remove or correct any information found to be inaccurate or unverifiable.

Require the credit bureaus ( XXXX, Equifax, and XXXX  ) to delete all wrong addresses from my profile. 

Enforce compliance with the FCRA and ensure the furnishers provide proof of verified and authorized accounts or delete them permanently. 

Provide written confirmation of the investigation results and actions taken. 

Thank you for your attention to this serious matter. I am seeking your immediate intervention to ensure my credit reports reflect only accurate, verified information as required by law.

Company response to consumer: Closed with non-monetary relief