Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am filing this complaint to report serious inaccuracies and unauthorized information appearing on my credit reports. These inaccuracies are damaging my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation into these matters and immediate corrective action. 

XXXX. Wrong Addresses Reported The following addresses are being reported on my credit file, but I have no association or connection with them : XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX These addresses are completely inaccurate and must be removed immediately from all of my credit reports. 

XXXX. Inaccurate Late Payment Reporting The following accounts are reporting late payments, which is entirely false. I have never made any late payments on these accounts, and the reporting is inaccurate : XXXX  XXXX XXXXXXXX Open Date : XX/XX/XXXX High Credit : {$300.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX High Credit : {$0.00} XXXX request that these accounts be fully verified with proper documentation of any alleged late payment. If the furnishers can not provide such proof, these accounts must be corrected immediately to reflect an accurate on-time payment history. 

XXXX. Charge-Off Accounts I Have No Knowledge Of The following accounts are listed as charge-offs, but I have no knowledge or record of ever opening or maintaining these accounts. Therefore, I dispute their validity and request deletion from my credit reports unless the furnishers can provide verifiable proof, such as signed account agreements and original documentation : XXXX XXXXXXXX Open Date : XX/XX/XXXX High Credit : {$2600.00} XXXX  XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$3500.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX High Credit : {$300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX High Credit : {$1000.00} XXXX  XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$500.00} XXXX  XXXX XXXXXXXX Open Date : XX/XX/XXXX High Credit : {$450.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$250.00} XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$500.00} XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$500.00} Each of these accounts should be immediately deleted unless valid, authenticated proof of ownership is produced. 

XXXX. Collection Accounts I Have No Knowledge Of The following collection accounts are being reported, but I have no knowledge of these debts. I never received any notice, validation, or proof from these XXXX. I demand that these accounts be removed unless complete validation ( including signed contracts, statements, and chain of custody documentation ) can be provided : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1300.00} XXXX  XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} XXXX  XXXX Date Opened : XX/XX/XXXX High Balance : {$930.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$730.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX High Balance : {$600.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX High Balance : {$550.00} These accounts appear fraudulent or incorrectly assigned. Please ensure full compliance with FCRA 609 and 611 to validate or delete these accounts. 

XXXX. Unfamiliar XXXX Inquiries The following inquiries appear on my credit report without my consent or authorization. I never applied for credit with these entities and demand that they be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These inquiries should be deleted immediately as they were not authorized by me. 

Conclusion These reporting errors and unauthorized accounts are in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I am requesting a thorough investigation, confirmation of all verifications, and written confirmation that the inaccurate and unverifiable information has been corrected or deleted. 

Please ensure that each credit reporting agency ( Equifax, XXXX, and XXXX  ) receives notification of all corrections made as a result of this complaint. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief