Consumer complaint received 2026-05-28 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: IL

Complaint narrative:
I am submitting this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate and unverifiable information currently being reported on my consumer report. Under federal law, all information furnished and maintained by consumer reporting agencies must be reported with maximum possible accuracy pursuant to 15 U.S.C. 1681e ( b ). The inaccurate reporting reflected on my file has caused substantial harm to my credit standing and financial reputation, and I am requesting an immediate investigation into these matters. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have no knowledge of this address and it does not belong to me. Pursuant to FCRA 1681e ( b ) and 1681i ( a ), please remove this inaccurate address information immediately to ensure the maximum possible accuracy of my consumer file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This address is inaccurate and unfamiliar to me. I dispute the reporting of this address in its entirety and request immediate deletion pursuant to FCRA 1681e ( b ) and 1681i ( a ) ( 5 ). XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$370.00} Charge Off I have no knowledge of this account and dispute the complete accuracy and ownership of this tradeline. Pursuant to FCRA 1681e ( b ) and 1681i ( a ), please provide complete verification including original signed application, payment history, and contractual documentation bearing my signature. If this account can not be fully verified through a reasonable investigation, please permanently delete it from my consumer report pursuant to FCRA 1681i ( a ) ( 5 ). XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$20000.00} Charge Off This account is inaccurate, misleading, and unverifiable. Under FCRA 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ), you are required to conduct a reasonable investigation and ensure complete reporting accuracy. Please provide competent documentary evidence supporting the reporting of this account or permanently delete it from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$62.00} Charge Off I dispute this account because I do not recognize it and have no knowledge of any contractual relationship associated with this tradeline. Pursuant to FCRA 1681i ( a ) ( 1 ), please conduct a complete reinvestigation and delete this account if verification can not be properly establishedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$26.00} Charge Off This tradeline is disputed as inaccurate and unverifiable. Under FCRA 1681e ( b ) and 1681i ( a ) ( 5 ), any account that can not be properly verified through competent evidence must be removed immediately from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$150.00} Collection I have no knowledge of this collection account and dispute the validity and accuracy of the alleged debt. Pursuant to FCRA 1681e ( b ), 1681i ( a ), and FDCPA 809, please provide competent evidence validating this account, including any signed agreement or documentation establishing liability. If verification can not be produced, please permanently delete this collection account from my consumer report. * * I also dispute the following unauthorized inquiry appearing on my credit report. I do not recall authorizing this inquiry and have no knowledge of any permissible purpose associated with it. Pursuant to FCRA 1681b, all inquiries must be supported by a legally permissible purpose and proper authorization XXXX XXXX XXXX XXXXXX/XX/XXXX Please provide proof of authorization and permissible purpose for this inquiry. If such proof can not be provided, please permanently remove this unauthorized inquiry from my consumer report immediately. If your investigation can not produce competent evidence verifying the disputed information, federal law requires that such information be permanently deleted from my consumer report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). I expect full compliance with the Fair Credit Reporting Act within the statutory timeframe.

Company response to consumer: Closed with explanation