Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am submitting this formal complaint to request your immediate assistance in addressing multiple serious inaccuracies being reported on my credit files by various furnishers and credit reporting agencies. These errors are damaging my credit reputation and are in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires the reporting of only accurate and verifiable information. 

XXXX. Incorrect Address Reporting The following address is being reported inaccurately on my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at or been associated with this address in any way. This false information suggests possible identity confusion or misreporting and must be immediately removed from my credit files. 

XXXX. Charge-Off and Collection Accounts I Have No Knowledge Of The following accounts are being reported as charge-offs or collections, yet I have no knowledge or records of ever opening or authorizing such accounts : XXXX XXXXXXXX High Balance {$450.00} XXXX Opened XX/XX/XXXX ( Charge Off ) XXXX XXXX XXXX High Balance {$530.00}, Opened XX/XX/XXXX ( Charge Off ) XXXX XXXXXXXX High Balance {$500.00}, Opened XX/XX/XXXX ( Charge Off ) XXXX XXXXXXXX High Balance {$2700.00}, Opened XX/XX/XXXX ( Charge Off ) XXXX XXXXXXXX High Balance {$500.00}, Opened XX/XX/XXXX ( Collection ) XXXX XXXXXXXX High Balance {$2800.00}, Opened XX/XX/XXXX ( Collection ) XXXX XXXX XXXX XXXX High Balance {$2800.00} XXXX XXXX XX/XX/XXXX ( Collection ) XXXX XXXX  High Balance {$790.00}, Opened XX/XX/XXXX ( Collection ) I have no contractual relationship, documentation, or memory of these accounts. These entries appear to be erroneous and must be deleted immediately from my credit files to comply with FCRA 611, which mandates removal of unverifiable data. 

XXXX. Incorrectly Reported Late Payments The following accounts are being inaccurately reported with late payment histories, which is completely false and misleading : XXXX XXXX XXXX XXXXXXXX High Balance {$340.00}, Opened XX/XX/XXXX ( Late Payment ) XXXX XXXX XXXX High Balance {$23000.00}, Opened XX/XX/XXXX ( Late Payment ) XXXX  XXXX High Balance {$630.00}, Opened XX/XX/XXXX ( Late Payment ) XXXX XXXXXXXX High Balance {$0.00}, Opened XX/XX/XXXX ( Late Payment ) I have never made any late payments to these creditors. These false derogatory marks are harming my credit standing and must be corrected to show a perfect payment history or deleted if unverifiable. 

XXXX. Unauthorized or Questionable Hard Inquiries My report also lists multiple hard inquiries I did not authorize : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my explicit consent, violating FCRA 604. I request immediate investigation and removal of all unauthorized inquiries from my credit reports. 

Requested Action : I am requesting that the CFPB ensure that : All unverified and inaccurate addresses, charge-off, and collection accounts be deleted immediately from all credit reporting agencies ( XXXX, Equifax, XXXX  ) XXXX 

All false late payment entries be corrected or removed. 

All unauthorized inquiries be investigated and deleted. 

The furnishers responsible for reporting false information be held accountable for non-compliance under the FCRA. 

These inaccuracies are causing significant harm to my creditworthiness and emotional distress. I have already attempted to resolve these issues with the credit bureaus and furnishers directly, but they have failed to conduct a proper reinvestigation as required by law. 

I am requesting that the CFPB open an investigation into these matters and compel the involved parties to comply with federal law. 

Thank you for your attention and swift action on this matter.

Company response to consumer: Closed with non-monetary relief