Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am filing this complaint to bring to your attention multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The following items appearing on my credit report are inaccurate, unverifiable, and being reported in violation of federal law. I have made prior attempts to correct these errors, yet they remain unresolved. I respectfully request that CFPB conduct a full investigation into these unlawful reporting practices and ensure that these violations are immediately addressed and deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This address does not belong to me and was never associated with my verified residency. Reporting this incorrect address violates FCRA XXXX ( b ) which requires the maintenance of maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This location has never been linked to me through any legitimate transaction. Including this address is misleading and unlawful under FCRA XXXX ( a ) and XXXX ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This is an inaccurate address that XXXX have been added due to mixed or merged file errors. Under FCRA XXXX ( a ), you are required to verify this information or remove it immediately. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} CHARGEOFF This account is being reported as a charge-off without proper verification of the debt or accurate balance information. According to FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers must report data with full accuracy. The reported balance and charge-off status are not consistent with my payment history, suggesting mishandling or incomplete documentation. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} CHARGEOFF The charge-off status and amount listed are inaccurate and appear to be the result of a reporting error. Under FCRA XXXX ( a ) and XXXX ( b ), the bureau must conduct a full reinvestigation. The bank failed to validate this debt with accurate transaction records, and the amount reported has been inflated without proper notice. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT This account reflects a late payment that never occurred. Under FCRA XXXX ( b ) and XXXX ( a ) ( XXXX ), furnishers must correct and update incomplete information. The reported delinquency date does not align with my verified payment records. 

XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT This late payment notation is false and unverified. According to FCRA XXXX ( a ) and XXXX ( a ), reporting unproven negative information is unlawful. I never missed or delayed a payment on this account. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT The reported late payment is inaccurate and damaging. Under FCRA XXXX ( a ) ( XXXX ) ( B ), furnishers must ensure that data furnished is complete and correct. The lender has not provided evidence of any missed payment. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} CHARGEOFF The charge-off amount and status are being reported without proper verification. FCRA XXXX ( a ) ( XXXX ) ( A ) requires that inaccurate or unverifiable data be deleted. I was never notified of a legitimate charge-off nor provided with account statements to support this claim. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was conducted without my consent or permissible purpose under FCRA XXXX ( a ) ( XXXX ). I have never applied for credit or authorized this company to access my file. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is unauthorized and illegal under FCRA XXXX ( a ) ( XXXX ). I did not initiate any request for credit with XXXX XXXX during that time. 

These inaccurate items and unauthorized activities are clear violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have a right to accurate reporting, proper investigation, and protection of my personal credit information. I request the CFPB to compel the involved entities to provide verifiable proof of accuracy and authorization, or remove these items immediately. The continuous reporting and retention of unverified or unauthorized data constitute a direct violation of my consumer rights, and I seek full relief, including deletion of these items, and corrective action to prevent recurrence.

Company response to consumer: Closed with non-monetary relief