Consumer complaint received 2025-11-14 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 filing this formal complaint against the credit reporting agencies and the furnishers listed below for severe, ongoing, and willful violations of the Fair Credit Reporting Act ( FCRA ) specifically violations of 602 ( A ), 607 ( B ), 611, and 623.

My consumer report contains multiple inaccurate, unverifiable, and unauthorized entries, including Wrong Addresses, Late Payments ( which never occurred ), Charge-Off accounts, Collection accounts, and unauthorized Hard Inquiries.

These errors are causing me significant harm, and I demand immediate regulatory investigation and enforcement action.

1. WRONG ADDRESSES ( Not mine completely inaccurate ) These addresses DO NOT belong to me and must be removed as they are harming my identity integrity under FCRA 602 ( A ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address These are false identity associations and constitute clear violations of FCRA 607 ( B ) regarding reasonable procedures for accuracy.

2. LATE PAYMENTS ( I have NEVER made a late payment reporting is FALSE ) Under FCRA 623 ( A ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know to be inaccurate.

The following accounts falsely show Late Payment although I have NEVER been late : XXXX XXXX XXXX High Balance {$290.00} Opened XX/XX/XXXX XXXX XXXXXXXX High Balance {$1400.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX High Balance {$300.00} Opened XX/XX/XXXX These entries are factually impossible, misleading, and require immediate correction.

3. CHARGE-OFF ACCOUNTS ( I have NO knowledge of these accounts must be deleted ) Under FCRA 611 & 623, unverifiable and inaccurate accounts must be deleted, not updated.

The following Charge-Off accounts are NOT mine : XXXX XXXXXXXX High Balance {$330.00} Opened XX/XX/XXXX XXXX XXXX XXXX High Balance {$6100.00} Opened XX/XX/XXXX XXXX XXXX XXXX High Balance {$2000.00} Opened XX/XX/XXXXXXXX XXXX XXXX High Balance {$810.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX High Balance Opened XX/XX/XXXXXXXX XXXX XXXX High Balance {$10000.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX High Balance {$310.00} Opened XX/XX/XXXX These are unknown, unauthorized, and unverifiable, making them illegal to report under 623 ( A ) ( 5 ).

4. COLLECTION ACCOUNTS ( NOT mine I have XXXX k

nowledge of these ) Under FCRA 611 ( a ) ( 5 ) ( A ), any data that can not be verified must be permanently deleted. The following Collection accounts do NOT belong to me : XXXX XXXX {$720.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX {$1100.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1900.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$630.00} Opened XX/XX/XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX These collection entries are fraudulent and must be deleted immediately. 

5. UNAUTHORIZED HARD INQUIRIES ( NOT initiated by me ) Under FCRA 604 ( a ) ( 2 ), no inquiry may be made without my explicit written consent.

The below inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each is a clear FCRA 604 violation, and I request enforcement action.

REQUEST FOR CFPB ACTION I am requesting the CFPB to : Open a formal investigation into these repeated FCRA violations Order the Credit Reporting Agencies and furnishers to : Delete all Charge-Offs and Collection accounts I
have no knowledge of Correct all Late Payment inaccuracies immediately Remove all unauthorized inquiries Permanently delete all Wrong Addresses Impose penalties for non-compliance as allowed under the law Require a written confirmation of all deletions and corrections CONCLUSION These errors are causing significant financial, emotional, and personal harm, and the pattern of inaccuracy demonstrates a systemic failure to follow FCRA statutory obligations. 

I respectfully request urgent action by the CFPB to ensure my consumer rights are protected.

Company response to consumer: Closed with non-monetary relief