Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and the furnishers listed below for reporting inaccurate, unverified, and misleading information on my consumer credit file. These errors are causing significant harm to my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 602 ( A ), 607 ( B ), and 611. 

Despite requesting proper verification and reinvestigation, these items continue to appear without proof, without proper validation from furnishers, and in violation of FCRA accuracy standards. 

XXXX. Incorrect Address Reported The following address is NOT mine and must be removed immediately : XXXX XXXX XXXX XXXX, VA XXXX Wrong Address This address is not associated with me in any way and is harming the accuracy of my consumer profile. 

XXXX. Accounts Reported With Late Payments ( I Dispute These as Inaccurate ) These companies are reporting false late payment history. I have never made late payments, and no furnisher has provided documentation proving otherwise : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 607 ( B ), bureaus must ensure maximum possible accuracy. These accounts fail to meet that standard and must be corrected. 

XXXX. Charge-Off Accounts I Have No Knowledge Of These charge-off accounts do not belong to me, and furnishers have failed to provide any legal validation or proof of ownership : XXXX XXXX XXXX * * * * | Opened XX/XX/XXXX | Balance : {$1300.00} Charge-Off ( NOT MINE ) * * VIRGINIA XXXX XXXX * * * XXXX | Opened XX/XX/XXXX | Balance : {$910.00} Charge-Off ( NOT MINE ) * * MB FIN SVCS XXXX * * * * * | Opened XX/XX/XXXX | Balance : {$0.00} Charge-Off ( NOT MINE ) * * VIRGINIA XXXX XXXX * * * * | Opened XX/XX/XXXX XXXX Balance : {$1400.00} Charge-Off ( NOT MINE ) * * As I have no knowledge of these accounts, they must be deleted immediately for failing verification requirements under FCRA XXXX. 

XXXX. Collection Accounts I Have No Knowledge Of These collection accounts do not belong to me, and the furnishers have provided no proof of debt ownership, contracts, or statements : XXXX Bank XXXX XXXX XXXX XXXX * | Opened XX/XX/XXXX | Balance : {$3000.00} Collection ( NOT MINE ) * * Rise Capital Community Bank XXXX * | Opened XX/XX/XXXX | Balance : {$3200.00} Collection ( NOT MINE ) * * These accounts must be deleted, not updated, until proper verification is produced. 

XXXX. Improper, Unverified Hard Inquiries The following companies pulled my credit report without my permission, which is a violation of FCRA XXXX : XXXX XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TBOM/MILESTO XX/XX/XXXX EVOLVE/SPARR XX/XX/XXXX LENDMARK FIN XX/XX/XXXX PERFORMANCE XX/XX/XXXX REGIONALAC XX/XX/XXXX These inquiries were not authorized by me, and I request their removal immediately. 

REQUEST FOR CFPB INTERVENTION I am demanding the following actions : Immediate deletion of all accounts I have no knowledge of, including charge-offs and collections. 

Correction of all falsely reported late payments to never late. 

Removal of the unauthorized hard inquiries listed above. 

Removal of the incorrect address. 

A full investigation and enforcement of all FCRA violations listed. 

This inaccurate information is severely harming my credit profile and causing financial damage. I request immediate CFPB involvement to ensure the credit bureaus and furnishers comply with federal law. 

Thank you for your attention and timely assistance.

Company response to consumer: Closed with non-monetary relief