Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
To Whom It May Concern : I am filing this complaint to formally report multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws by [ Credit Bureau Name ] and certain furnishers of information. These violations involve inaccurate personal information, erroneous account reporting, and unauthorized credit inquiries that are currently appearing on my credit file. 
The disputed items are listed below, along with the specific nature of the inaccuracy, the laws being violated, and how these errors are harming me : The presence of incorrect addresses, erroneous account statuses, and unauthorized inquiries is causing severe harm to my creditworthiness, ability to obtain financial services, and overall financial standing. I have never lived at some of the addresses reported, I have accounts listed that are inaccurate or unverified, and I have inquiries I did not authorize. This situation creates the appearance of fraudulent activity and significantly undermines the integrity of my credit history. 
Below, I have listed each item with its corresponding Issue, the Law being violated, and my detailed Story explaining the harm caused. 
XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This address does not belong to me and is incorrectly reported. 
Law : FCRA 602 ( A ) and 607 ( B ) Credit reporting agencies must maintain maximum possible accuracy and can not report unverified or false identifying information. 
Story : I have never resided at, received mail at, or had any association with this address. Including it on my credit report creates the impression that I may be linked to accounts or debts tied to this location. This misrepresentation exposes me to identity theft risks and makes it appear that I have unstable residency history, potentially lowering my creditworthiness in the eyes of lenders and employers. 
XXXX XXXX XXXX XXXX, IL XXXX Wrong Address Issue : False address reporting. 
Law : FCRA 611 ( A ) Disputed inaccurate information must be reinvestigated and removed if unverifiable.

Story : This listing is completely false and unrelated to me. If left uncorrected, it could link my profile to unrelated debts, legal actions, or criminal activity associated with individuals living there. 
XXXX XXXX XXXX Charge-Off Issue : Account status is reported as a charge-off, but this is inaccurate and unverifiable.

Law : FCRA 623 ( A ) Furnishers must report accurate information ; 611 ( A ) Disputed data must be reinvestigated.

Story : The charge-off designation is damaging my credit score substantially. I have requested verification from the furnisher, but they have failed to provide proper documentation that proves this account belongs to me and is reported correctly. Reporting a charge-off without adequate validation is a direct violation of the FCRA and has resulted in credit denials, higher interest rates, and emotional distress. 
XXXX Inquiry ( XX/XX/year> ) Issue : Duplicate unauthorized inquiry. 
Law : FCRA 604 ( A ) ( 2 ).

Story : This appears to be a duplicate of the previous unauthorized inquiry. Multiple improper pulls amplify the damage to my score and increase the appearance of excessive credit-seeking behavior, which is misleading. 
Requested Resolution : Immediate removal of all inaccurate addresses. 
Deletion of unverifiable charge-off and collection accounts. 
Removal of all unauthorized credit inquiries. 
Written confirmation of the corrections made. 
These violations have resulted in financial loss, denial of credit, increased interest rates, and emotional distress. The continued reporting of these inaccurate items damages my reputation and violates federal law. 
I respectfully request the CFPB to take appropriate enforcement action to ensure my rights are protected and to compel the parties involved to correct these violations immediately.

Company response to consumer: Closed with non-monetary relief