Consumer complaint received 2025-06-24 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:
To Whom It May Concern, I am writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : XXXX. Incorrect Account Reporting The following addresses are incorrect and must be removed immediately as I have never lived at, received mail at, or been associated with these locations : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Wrong Address XXXX XXXX XXXX, XXXX, SC XXXX Wrong Address Violation : Reporting inaccurate personal identifying information is a violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( A ) and XXXX ( b ), which requires agencies to follow reasonable procedures to assure maximum possible accuracy. 
Disputed Accounts XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$750.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing information with actual knowledge of errors. 
Late payment reporting must be accurate and verifiable ; this account is neither. 
XXXX OF XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$410.00} Date Opened : XX/XX/XXXX Issue : Charge Off Violation : FCRA XXXX Inaccurate and unverifiable charge-offs must be deleted if not proven with documented validation. 
XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Charge Off Violation : FCRA XXXX ( a ) ( XXXX ) and XXXX I requested validation, which was not provided. Reporting continues without substantiation. 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Issue : Charge Off Violation : FCRA XXXX ( b ) Failing to reinvestigate disputed information accurately. 
XXXX XXXX ( Duplicate Entry ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$580.00} Date Opened : XX/XX/XXXX Issue : Charge Off Violation : FCRA XXXX ( c ) Duplicate reporting of the same debt is misleading and harmful. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Charge Off Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing unverifiable and outdated information. 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$9200.00} Date Opened : XX/XX/XXXX Issue : Charge Off Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) No validation received. Continued reporting without proper investigation. 
Unauthorized/Questionable Hard Inquiries The following inquiries were made without my knowledge, consent, or permissible purpose, which is a direct violation of FCRA guidelines : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Violation : FCRA XXXX ( a ) ( XXXX ) A consumer reporting agency may only furnish a consumer report for specified permissible purposes. These inquiries do not meet any of those and were made without my authorization. 
Relief Requested I respectfully request the following corrective actions : Immediate deletion of all inaccurate addresses listed above. 
Permanent removal or correction of all inaccurate and unverifiable accounts. 
Removal of all unauthorized and impermissible hard inquiries. 
A full investigation in compliance with FCRA XXXX and written results sent to me. 
If this matter is not resolved promptly, I will pursue additional remedies as provided by law, including civil damages under FCRA XXXX and XXXX. 
Thank you for your attention to this matter. I am requesting a full investigation and resolution of these issues as provided under federal law.

Company response to consumer: Closed with non-monetary relief