Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding numerous inaccurate, outdated, and unverifiable accounts, addresses, and inquiries appearing on my credit reports with Experian, Equifax, and TransUnion. Despite repeated disputes, these items continue to remain unresolved, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692.

I. Inaccurate Addresses Being Reported ( Violation of FCRA 1681e ( b ) ) I am not associated with the following addresses, yet they are still being reported under my credit profile : 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 XXXXXXXX addresses XXXX not linked to me through any lease, utility bill, or legal documentation, and their continued presence on my report is damaging and constitutes a failure to maintain reasonable procedures to assure maximum possible accuracy as required by FCRA 1681e ( b ).

II. Accounts Reporting Inaccurate Late Payments and Charge-Offs ( FCRA 1681i ( a ), FDCPA 1692e ) The following accounts are inaccurately reporting late payments and/or charge-offs : Late Payments Reported 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 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 Balance : {$8700.00} These accounts are misreporting my payment history, and in many cases the data is outdated, incomplete, or unverifiable. I dispute the accuracy and request full investigation and removal per FCRA 1681i ( a ).

III. Accounts Reported in Collection Status ( Violation of FDCPA 1692g and FCRA 1681b ) The following collection accounts are appearing on my credit reports : XXXXXXXX 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 XXXX0} I never received validation notices as required by FDCPA 1692g ( a ). These debts are being reported without proper verification or substantiation. This also violates FCRA 1681b if such data was shared with bureaus without permissible purpose.

IV. Unauthorized Hard Inquiries ( FCRA 1681b ( c ) ) The following hard inquiries were made without my knowledge, authorization, or legitimate permissible purpose : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize any of these inquiries, and they should be removed immediately as they negatively impact my credit score and violate FCRA 1681b ( c ) ( 1 ) ( A ) ( i ).

V. Legal Basis for Complaint This complaint is based on multiple violations of : FCRA 1681e ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy FCRA 1681i ( a ) failure to conduct reasonable reinvestigation of disputed information FCRA 1681b unauthorized access to credit reports FDCPA 1692g failure to provide debt validation notice FDCPA 1692e false, deceptive, or misleading representation in connection with debt collection VI. Requested Action I am demanding the following actions be taken : 1. Immediate deletion of all unauthorized or inaccurate addresses.

2. Removal or correction of all inaccurate payment history or charged-off accounts.

3. Deletion of all collection accounts without proper validation.

4. Full removal of unauthorized inquiries.

5. A full investigation by the CFPB into why these issues persist despite prior disputes.

VII. Final Statement This pattern of reporting inaccurate information across multiple credit bureaus has caused me severe emotional stress, credit denials, and financial harm. These continued violations of my consumer rights are unacceptable. I urge the CFPB to investigate and compel the data furnishers and credit bureaus to correct or delete this information immediately.

Company response to consumer: Closed with non-monetary relief