Consumer complaint received 2025-10-22 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 formal complaint against multiple furnishers and credit reporting agencies for reporting false, incomplete, and unverified information on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Despite my repeated good-faith attempts to have these inaccuracies investigated and corrected, the credit reporting agencies and data furnishers have failed to provide documentation verifying ownership, authorization, or accuracy of the reported accounts. I am requesting that the CFPB take immediate action to enforce compliance. 

First, my credit report contains incorrect and unrelated addresses, including XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, SC XXXX and XXXX XXXX XXXX, XXXX, NY XXXX. These addresses are not associated with me, and their continued presence on my credit file represents serious negligence and potential data commingling by the credit reporting agencies. 

Additionally, my report includes several accounts reported inaccurately or without verification. These include : XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, showing a balance of {$420.00} and listed as a charge-off without any evidence of default or validation of debt XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, reported as a charge-off with no substantiation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, showing late payment activity that has not been validated or supported by billing statements ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, similarly reflecting unverifiable late payment history ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, marked as late payment despite a XXXX-dollar balance XXXX XXXXXXXX XXXXp, opened on XX/XX/XXXX, listed as a charge-off with no proof of debt or contractual obligation ; XXXX XXXX XXXX, opened on XX/XX/XXXX, showing false late payment information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, reported as a charge-off without verification ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, improperly listed as a charge-off with no supporting documentation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, reported as a charge-off without validation ; XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, appearing as a collection with no evidence of a legitimate notice or debt validation ; and XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, reported as a collection for {$4000.00} with no proof of lease or proper debt notice under FDCPA 809 ( b ). 

My report also reflects numerous unauthorized hard inquiries that were made without my knowledge or written consent, in violation of FCRA 604 ( a ) ( 2 ) and 609 ( a ) ( 1 ). The following inquiries were not initiated or approved by me and must be investigated and removed : 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 None of these entities have provided proof of permissible purpose or consent to access my credit file.

These actions represent serious and repeated violations of federal consumer protection laws, including FCRA 602 ( A ) ( failure to ensure maximum possible accuracy ), FCRA 611 ( failure to conduct a reasonable investigation ), FCRA 623 ( furnishing inaccurate information ), FDCPA 807 ( false representation of debt ), and FDCPA 809 ( b ) ( failure to validate debt upon request ). 

I am requesting that the CFPB investigate these violations thoroughly and compel the responsible furnishers and reporting agencies to : Remove all inaccurate, unverifiable, and unauthorized information from my credit file. 

Cease any continued reporting of disputed items without adequate proof or validation. 

Enforce appropriate penalties and corrective actions for noncompliance. 

Provide me with written confirmation of all actions and final resolution outcomes.

Company response to consumer: Closed with non-monetary relief