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: MS

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because multiple inaccurate and unauthorized items are appearing on my credit report, and despite my previous disputes with the credit bureaus, these items have not been properly investigated or removed. 
Below is the list of the disputed items that are either collections I do not recognize or hard inquiries I never authorized. I am requesting the CFPBs assistance in ensuring these accounts and inquiries are fully verified or permanently deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 
Incorrect Addresses XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address These addresses are not associated with me and should be removed from my credit file immediately. 
Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXXBalance Owed : XXXX XXXXStatus : Charge Off I have no knowledge of this account and request validation or removal. 
XXXX XXXX XXXX * * Date Opened : XXXXBalance Owed : $ XXXXStatus : Late Payment I have never made any late payments to this creditor. Please correct the payment history to reflect on-time payments. 
XXXXXXXX XXXX  XXXX * Date Opened : XXXXBalance Owed : $ XXXXStatus : Charge Off I have no recollection of this account. Please verify its accuracy or remove it. 
XXXX XXXX * Date Opened : XXXXBalance Owed : $ XXXXStatus : Charge Off I have no association with this account. Please conduct a thorough investigation. 
XXXX XXXX XXXX XXXX * * Date Opened : XXXXBalance Owed : $ XXXXStatus : Charge Off I have no knowledge of this account. Please provide full validation or remove it. 
XXXX XXXX XXXX XXXX * * * Date Opened : XXXXBalance Owed : $ XXXXStatus : Late Payment The late payment reporting is incorrect. I made all payments on time; please correct this error. 
XXXX XXXX * Date Opened : XXXXBalance Owed : $ XXXXtatus : Collection I have no knowledge of this collection account. Please verify its accuracy or remove it immediately. 

XXXX XXXX * Date Opened : XXXXBalance Owed : $ XXXXStatus : Collection I have no knowledge of this account. Please verify or delete this item. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXBalance Owed : $ XXXXStatus : Collection I do not recognize this account and request removal if unverifiable. 
XXXX XXXX XXXXXXXX Date Opened : XXXXBalance Owed : $ XXXXStatus : Collection I do not recall this account. Kindly provide full validation or remove it. 
Inquiries in Dispute XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> I did not authorize these hard inquiries. Please remove all unauthorized or fraudulent inquiries from my credit report immediately. 
Requested Action I am requesting the CFPB to : XXXX. Ensure the credit bureaus and data furnishers conduct a proper reinvestigation of all the above accounts. 
XXXX. Delete any unverifiable, duplicate, or unauthorized collection accounts. 
XXXX. Remove all unauthorized inquiries from my credit report. 
XXXX. Provide a written confirmation of all corrections made. 
These inaccurate entries have negatively affected my credit score and caused unnecessary stress. I am seeking your assistance in ensuring that all parties comply with the Fair Credit Reporting Act and correct or remove these items immediately. 
Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief