Consumer complaint received 2025-06-22 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 writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : Disputed Accounts and Violations Incorrect Addresses Reported The following addresses have never been associated with me and are completely inaccurate. Their continued presence on my credit file is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) which requires consumer reporting agencies to ensure maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Wrong Address I demand that these addresses be permanently removed from all of my credit reports ( Experian, Equifax, and TransUnion ) XXXX 
Accounts Reported Inaccurately or Harmfully XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o High Balance : {$610.00} o Open Date : XX/XX/XXXX o Status : Late Payment Violation : Reporting inaccurate payment history violates FCRA 1681i ( a ) failure to correct or delete inaccurate information after a dispute. 
XXXX. XXXX XXXX  o Account Number : XXXX o High Balance : {$650.00} o Open Date : XX/XX/XXXX o Status : Charge Off Violation : Continued reporting of a charge-off account that may be outdated or unverifiable violates FCRA 1681c ( a ) ( 4 ) obsolete information reporting beyond XXXX  years. 
XXXX. XXXX XXXX REWARDS o Account Number : XXXX o High Balance : {$280.00} o Open Date : XX/XX/XXXX o Status : Late Payment Violation : Failure to provide timely and accurate reporting under FCRA 1681s-2 ( a ) ( 1 ) ( A ) duty of furnishers to report accurate information. 
XXXX. XXXX XXXX XXXX o Account Number : XXXX o High Balance : {$35000.00} o Open Date : XX/XX/XXXX o Status : Late Payment Violation : Harmful late payment reporting without validation of its accuracy violates FCRA 1681e ( b ). 
XXXX. XXXX XXXX XXXX o Account Number : XXXX o High Balance : {$36000.00} o Open Date : XX/XX/XXXX o Status : Late Payment Violation : Obsolete account reporting may breach FCRA 1681c outdated adverse information. 
XXXX. XXXX XXXX Account Number : XXXX o High Balance : {$16000.00} o Open Date : XX/XX/XXXX o Status : Charge Off Violation : Reporting derogatory information without proper validation violates FCRA 1681s-2 ( b ) and possibly FDCPA 807 ( 8 ) misrepresentation of debt status. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX o Account Number : XXXX o High Balance : {$7600.00} o Open Date : XX/XX/XXXX o Status : Late Payment Violation : Student loan servicers must follow compliance under FCRA 1681s-2 ( a ) for accuracy and prompt updates. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o High Balance : {$3800.00} o Open Date : XX/XX/XXXX o Status : Collection Violation : Debt collection reporting by third-party entities must be verified and accurate under both FCRA 1681e ( b ) and FDCPA 809 ( b ).

Unauthorized or Harmful Inquiries The following inquiries have appeared on my credit report without proper authorization, notice, or permissible purpose. These violate FCRA 1681b ( c ) and 1681b ( f ) limitations on access to consumer credit data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have impacted my score and may have been conducted without any application or consent. I demand that they be removed and the inquiring parties be held accountable for FCRA violations.

Requested Action from CFPB I respectfully request the Consumer Financial Protection Bureau to : 1. Investigate the reporting agencies ( XXXX, Equifax, and XXXX  ) and the above-listed furnishers.

2. Require them to delete the wrong addresses and any unverifiable, inaccurate, obsolete, or unauthorized entries from my credit reports. 
XXXX. Hold them accountable for the violations under the FCRA and FDCPA and ensure correction without delay. 
I am attaching my identification documents and a copy of my credit reports showing these errors. 
Thank you for your attention to this serious matter. I look forward to your assistance in restoring the accuracy and integrity of my credit profile.

Company response to consumer: Closed with non-monetary relief