Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to report serious inaccuracies and unverified information appearing on my credit reports. These false items are negatively impacting my creditworthiness and financial standing. Despite my efforts to have them corrected or removed through the credit reporting agencies, they continue to appear without proper investigation or verification. 

Below are the specific issues : XXXX. Wrong Address Reporting XXXX XXXX XXXX XXXX XXXX XXXX This is not my address and should not appear anywhere on my credit file. I have no association with this address, and its presence indicates serious identity or reporting errors. 

XXXX. Accounts Reporting Incorrect Late Payment Status XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$22000.00} * * This account is being falsely reported as having late payments. I have never made a late payment to this creditor. The reported payment history is inaccurate and misleading. I request immediate correction of this false information. 

XXXX. Charge-Off and Collection Accounts I Have No Knowledge Of I have no knowledge of the following accounts being mine. These accounts were not opened or authorized by me and should be deleted from my credit reports immediately due to lack of verification and ownership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Charge Off * * These creditors have failed to provide verifiable proof of my responsibility for these accounts. Under the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 609, and 611, all items reported to the credit bureaus must be accurate, complete, and verifiable. Since these accounts can not be verified, they must be permanently deleted from my credit reports. 

XXXX. Unverified Hard Inquiries Additionally, I have several inquiries on my credit file that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give permission for these companies to access my credit report. Each unauthorized inquiry constitutes a violation of FCRA Section 604 ( a ) and should be investigated immediately.

Requested Resolution I respectfully request that the CFPB investigate these violations and require the involved credit reporting agencies and furnishers to : Delete all unverified charge-off and collection accounts listed above. 

Correct the false late payment history for the XXXX XXXX account. 

Remove the wrong address ( XXXX XXXX XXXX XXXX XXXX XXXX  ) from my file. 

Delete all unauthorized credit inquiries. 

These inaccurate and unverified items are severely damaging my credit profile and causing financial and emotional distress. I demand that all entities involved comply fully with the FCRA and provide written confirmation of the corrections and deletions within the required XXXX investigation period. 

Thank you for your attention and prompt action on this matter. Please contact me if further documentation is needed.

Company response to consumer: Closed with non-monetary relief