Consumer complaint received 2025-11-03 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 submitting this complaint regarding several serious inaccuracies appearing on my consumer credit reports, which are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These errors have caused significant harm to my creditworthiness, and despite my previous efforts to have them corrected through the credit reporting agencies, the information remains inaccurate and unverified. Below are the specific items that are being reported inaccurately : 1. Wrong
Address Reporting XXXX XXXX XXXX XXXX XXXXXXXX This address is not associated with me, and I have no connection or residency at this location. Reporting an incorrect address compromises my identity and raises serious concerns about mixed or inaccurate consumer files.

2. Charge-Off Account Reported in Error XXXX XXXX XXXX Account No. XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3900.00} | Status : Charge Off I have no knowledge of this account and have never held any financial relationship with XXXX XXXX XXXX. Reporting a charge-off for an account that does not belong to me constitutes a violation of FCRA 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy in consumer files. I am demanding immediate investigation and permanent deletion of this unverifiable account.

3. Incorrect Late Payment History The following creditors are reporting late payments that are false and damaging to my payment history. I have never made any late payments, and the information being furnished is factually inaccurate : XXXX XXXX ( XXXXXXXX XXXX  ) Opened : XX/XX/XXXX | Balance : {$0.00} XXXX ( XXXXXXXX XXXX XXXX ) * * Opened : XX/XX/XXXX | Balance : {$400.00} XXXX ( XXXXXXXX XXXX XXXX  ) * * Opened : XX/XX/XXXX | Balance : {$1000.00} XXXX ( XXXXXXXX XXXX XXXX ) * * Opened : XX/XX/XXXX | Balance : {$860.00} XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) * * Opened : XX/XX/XXXX | Balance : {$0.00} XXXX ( XXXX XXXX & XXXXXXXX XXXX XXXX XXXX ) * * Opened : XX/XX/XXXX | Balances : {$2100.00} and {$2600.00} These accounts are being inaccurately reported as having late payments. Under FCRA 1681i ( a ), furnishers and bureaus must reinvestigate disputed information and correct or delete unverifiable data within 30 days. I am requesting a full reinvestigation of each account and immediate correction of these false late payment records.

4. Unrecognized Collection Account XXXX XXXX XXXX ( XXXX XXXX XXXX  ) * * Date Opened : XX/XX/XXXX | Balance : {$3200.00} | Status : Collection I have no knowledge of this account and have never received any validation notice, as required by the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). Reporting a collection account without validation is unlawful. I am demanding deletion of this account from my credit file unless verified with proper documentation that proves this debt is mine.

5. Suspicious and Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These hard inquiries were not authorized by me. Unpermitted credit inquiries violate FCRA 1681b ( f ). I request immediate removal of these unauthorized inquiries from my credit file.

Requested Action : I am requesting that the CFPB conduct a thorough investigation into these violations and require the data furnishers and credit reporting agencies to : Delete all inaccurate and unverifiable accounts and addresses from my credit reports.

Correct any false payment histories reported as late.

Remove all unauthorized inquiries from my file.

Provide me with written confirmation of the results and the actions taken.

These inaccuracies are negatively affecting my credit reputation and financial opportunities. I expect swift corrective action in accordance with federal law.

Thank you for your attention to this matter. I trust the CFPB will ensure that my consumer rights under the FCRA and FDCPA are fully protected.

Company response to consumer: Closed with non-monetary relief