Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am submitting this formal complaint against the major credit reporting agencies ( XXXX, Equifax, and XXXX  ) and the following data furnishers for reporting unverified collection accounts and unauthorized credit inquiries on my consumer credit file.

These items were never authorized, verified, or associated with me. Despite my previous dispute efforts, these accounts remain on my report, causing damage to my credit reputation, interest rates, and financial stability.

The agencies have failed to comply with the Fair Credit Reporting Act ( FCRA ) Sections 602A, 607 ( b ), and 611, which require accurate, verified, and timely reporting of consumer information.

Incorrect Personal Information ( Wrong Addresses ) : The following addresses are not associated with me and should be permanently removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at or used these addresses. Their presence on my report suggests possible reporting errors or identity confusion. Under FCRA 604 and 607 ( b ), you are required to ensure only accurate and verifiable information is reported. Please delete these immediately.

Account Disputes Below are the accounts that are being reported inaccurately. I am requesting a full investigation, verification, and correction as per FCRA 611 ( 15 U.S.C. 1681i ). 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$690.00} | Issue : Late Payment * * This account is being reported with late payments that are completely incorrect. I have never made any late payments, and your data source must be re-verified. Please update the payment history to reflect all on-time payments. 
XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Late Payment * * This account was paid in full and should not be showing any late payment record. Please correct this reporting error and update it as Paid Never Late. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Issue : Charge Off * * I have no knowledge or recollection of this alleged account. This item appears to be unverified and possibly fraudulent. Under FCRA 611 ( a ) and 15 U.S.C. 1681i, please provide documentation bearing my signature proving this account is mine, or delete it from my report. 
XXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$830.00} | Issue : Charge Off * * I dispute this account as unverified and inaccurate. I have no record or contractual agreement with this creditor. Please verify the source of this data or delete it entirely. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$270.00} | Issue : Charge Off * * This account does not belong to me. I am requesting proof of ownership, such as a signed application or payment records. If such documentation can not be provided, this account must be deleted immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$420.00} | Issue : Late Payment * * This reporting of late payment is false. My records show all payments were made on time. Please correct the payment history to reflect accurate, timely payments. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$310.00} | Issue : Late Payment * * This is another instance of duplicate and inaccurate reporting. Please confirm with the furnisher and remove or correct this duplicate entry immediately. 
XXXX Acct : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$6100.00} | Issue : Late Payment * * I dispute the reporting of late payments. There are no records supporting any delinquency. This information is inaccurate and must be corrected to reflect an on-time status. 
XXXX XXXX XXXX  Acct : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Late Payment * * This account is fully paid and closed, yet still shows late payments. Please remove all negative marks and report it accurately as Paid Never Late. 
XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1400.00} | Status : Collection I have no knowledge or record of any account with XXXX. I have never authorized or signed for any account matching this name or balance. Please provide a copy of a signed contract or other documentation proving my responsibility for this debt. If no such proof exists, delete this item immediately under FCRA 611 ( a ). 
XXXX XXXX Acct : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$1300.00} | Status : Collection This account is being reported inaccurately and without verification. I have no record of any debt owed to XXXX XXXX or its affiliates. I am demanding verification of ownership, original creditor details, and signed agreement. If verification can not be provided within 30 days, delete this collection entirely. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$2000.00} | Status : Collection * * I dispute this account as unverified and potentially fraudulent. XXXX XXXX has a known pattern of purchasing unvalidated debts and reporting them as collections. I have never entered into any agreement with them. Please provide proof of assignment and signed documentation. If none exists, this must be deleted under FCRA 611 ( a ) ( 1 ) ( A ).

Unauthorized Hard Inquiries The following hard inquiries were not authorized by me and must be removed from my credit file immediately. I never applied for credit or gave written consent for these entities to access my report. Under FCRA 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a report if the consumer provides authorization which I did not.

Please remove the following inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Each of these inquiries must be deleted unless the reporting bureau can provide written proof of my explicit authorization, including a signed application or written consent.

Legal Violations These actions collectively violate the following sections of the Fair Credit Reporting Act ( FCRA ) : 602A Ensuring accurate and fair credit reporting practices.

604 ( a ) ( 2 ) Unauthorized credit inquiries without consumer consent.

607 ( b ) Requirement for maximum possible accuracy of all information.

611 ( a ) Duty to conduct a reasonable reinvestigation when a consumer disputes an item.

616 & 617 Civil liability for willful and negligent noncompliance.

Requested Resolution I am requesting the Consumer Financial Protection Bureau to : 1. Conduct an investigation into XXXX, Equifax, and XXXX regarding their failure to verify and remove these inaccurate items.

2. Require the deletion of all unverified and duplicate collection accounts listed above.

3. Require the removal of all unauthorized hard inquiries from my credit reports.

4. Ensure all reporting agencies provide an updated, corrected copy of my credit report reflecting these deletions.

5. Take any necessary enforcement action for violations of the FCRA.

Enclosures : Copy of my ID and proof of address Copies of previous dispute letters sent to the bureaus Credit report excerpts showing the disputed items

Company response to consumer: Closed with non-monetary relief