Consumer complaint received 2025-06-16 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:
This complaint is regarding multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite submitting disputes to the credit reporting agencies, I have not received appropriate or lawful resolutions. My report contains : Multiple incorrect addresses that do not belong to me Accounts with inaccurate late payments and charge-offs Unauthorized and excessive hard inquiries Duplicate and unverifiable tradelines Inaccurate Addresses ( Mixed File/Mistaken Identity ) : The following addresses are falsely associated with my credit profile : XXXX. XXXXXXXX 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 ) These addresses are completely inaccurate and not associated with me in any way.

Violation : FCRA 1681e ( b ) Duty to maintain accurate file Violation : FCRA 1681b Permissible purpose for furnishing consumer report Incorrect Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$13000.00} Issue : Reported late payments that are either inaccurate or unverifiable. 
Impact : Lowered my credit score and affected loan opportunities.

Violation : FCRA 1681s-2 ( b ) Furnishers duty to investigate and correct inaccurate data Violation : FCRA 1681e ( b ) Reasonable procedures to assure accuracy Unauthorized/Excessive Hard Inquiries : These inquiries appear on my report without my knowledge, consent, or any permissible purpose : 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 These inquiries were made without my authorization, and some are duplicative.

Violation : FCRA 1681b ( c ) Permissible purpose of consumer reports Violation : FCRA 1681b ( f ) Obtaining report under false pretenses Requested Resolution : I am requesting the Consumer Financial Protection Bureau to : 1. Order the removal of all inaccurate and unauthorized addresses from my credit profile. 
2. Delete or correct the XXXX account due to unverifiable late payments.

3. Remove all unauthorized or non-permissible hard inquiries.

4. Ensure all data furnishers and credit bureaus are complying with FCRA obligations.

5. Investigate whether my credit file has been mixed with another consumer.

6. Provide a written confirmation from each CRA and furnisher about actions taken.

Supporting Documents ( To Attach ) : Government-issued ID Proof of current address Credit report with errors highlighted Screenshots/emails from prior disputes ( if available ) Declaration : I declare under penalty of perjury that all the above facts are true to the best of my knowledge. I have suffered financial, emotional, and creditworthiness harm due to these errors.

Company response to consumer: Closed with non-monetary relief