Consumer complaint received 2025-07-26 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:
I am writing to file a formal complaint against Equifax regarding multiple inaccurate items reported on my credit report. Despite my previous efforts to dispute these errors directly with the credit bureau, the issues remain unresolved and continue to impact my creditworthiness unfairly. 

First, there are XXXX addresses listed on my report that I have never lived at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are not and have never been associated with me. Their presence is deeply concerning, as they suggest a failure in verifying my identifying information. This creates risk for identity confusion and potential fraud. 

Secondly, there are several inaccurate or unverifiable negative accounts being reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$4800.00}, is reporting late payments. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, reports late payments despite showing a {$0.00} balance. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, reporting as a collection for {$190.00}, which I do not recognize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, shows as charged off with {$0.00} balance if there is no outstanding debt, why is this being reported as a charge-off? 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, is also listed as a charge-off with no balance again, this appears contradictory. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX ), with different balances ( {$1300.00} and {$830.00} ), both marked as charge-offs. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$790.00}, appears suddenly and I have no recollection or agreement of this account. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a {$55.00} balance marked as a charge-off I was under the impression that this was a credit builder program and would not lead to derogatory reporting. 

Lastly, there is a hard inquiry from XXXX XXXX XXXX dated XX/XX/XXXX that I did not authorize. I was not applying for credit with this company at that time and did not consent to a credit check. 

These inaccuracies are distressing and harmful. They have affected my ability to secure housing, qualify for reasonable credit offers, and caused emotional and financial stress. I have attempted to address these matters with Equifax, but they continue to verify inaccurate data without providing meaningful investigation or supporting documentation, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I respectfully request that the Consumer Financial Protection Bureau assist in investigating Equifax 's procedures for handling disputes and compel them to either provide adequate validation for these entries or delete them entirely from my report. I am attaching all supporting documentation, including previous dispute letters and my ID verification, for your review. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief