Consumer complaint received 2025-12-15 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 submitting this complaint to formally dispute multiple inaccurate items being reported on my consumer credit reports. These items reflect violations of the Fair Credit Reporting Act ( FCRA ), specifically the requirement to maintain maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. 

Despite prior disputes, the following inaccurate information continues to appear on my credit reports. 

Wrong / Inaccurate Addresses ( Not Mine No Knowledge of These Addresses ) The following addresses do not belong to me. I have no knowledge of these addresses, and they are being inaccurately associated with my credit file. I am requesting their immediate deletion : XXXX XXXX XXXX, XXXX, SC XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX Charge-Off Accounts ( No Knowledge Not My Accounts ) I have no knowledge of the following charge-off accounts. These accounts do not belong to me, and I am requesting a full investigation and deletion or correction as required by law : XXXX XXXX XXXX XXXX  High Balance : {$240.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX High Balance : {$550.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$810.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX High Balance : {$500.00} | Date Opened : XX/XX/XXXX Collection Account ( No Knowledge Not Mine ) XXXX XXXX XXXX XXXX High Balance : {$600.00} | Date Opened : XX/XX/XXXX I have no knowledge of this collection account. Please investigate and delete or correct this account accordingly. 

Late Payment Accounts ( Account History Incorrect Never Late ) The following accounts are inaccurately reporting late payments. The payment history shown is incorrect, as I have never made a late payment on these accounts. I am requesting correction of the payment history, not deletion of the accounts : XXXX XXXX XXXX XXXX XXXX High Balance : {$120.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$610.00} | Date Opened : XX/XX/XXXX SECURITY FIN XXXX * * High Balance : {$710.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$710.00} | Date Opened : XX/XX/XXXX Unauthorized Credit Inquiries The following inquiries were not authorized by me and should not be associated with my credit report. I am requesting their removal : XXXX XXXX  Inquiry dated XX/XX/XXXX XXXX Inquiry dated XX/XX/XXXX XXXX Inquiry dated XX/XX/XXXX Requested Resolution I am requesting that the CFPB require the involved furnishers and credit reporting agencies to : Conduct a reasonable reinvestigation of each disputed item Delete inaccurate addresses that do not belong to me Delete charge-off and collection accounts for which I have no knowledge Correct inaccurate late payment histories to reflect accurate reporting Remove unauthorized inquiries Provide written confirmation of all corrections and deletions These inaccuracies are damaging and reflect a failure to comply with the FCRAs accuracy and reinvestigation requirements. 

Thank you for your assistance in resolving these matters.

Company response to consumer: Closed with non-monetary relief