Consumer complaint received 2025-10-01 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: TN

Complaint narrative:
I am filing this complaint because my consumer rights have been violated through the reporting of inaccurate and unverifiable information on my credit file which is damaging my financial reputation and limiting my access to fair credit opportunities. I request CFPB to investigate these violations and hold the furnishers and credit bureaus accountable. My personal information connected to these inaccuracies is XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX which is not accurate and should not be linked to me. This address is creating confusion and mixing of files. I never lived at or used this address. The continued reporting of this wrong address violates the Fair Credit Reporting Act ( FCRA ) because under FCRA Section 602A and 609 ( a ) ( 1 ) I have the right to accurate and verifiable information. This wrong address is harming me as it associates my profile with information that does not belong to me. I request this address to be deleted permanently and immediately under FCRA Section 611 which ensures consumers right to dispute inaccurate information. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX This address does not belong to me and should never have been connected to my file. Allowing unverified addresses creates the possibility of merged files, fraud, and misreporting. This must be investigated and corrected immediately under my FCRA rights. This address has no link to my financial accounts, drivers license, or government records. Its inclusion violates the requirement that consumer reports be free of erroneous identifiers. Keeping this address attached makes my report unreliable to lenders and employers. This is harmful because it suggests that I may have lived at multiple places I have no connection to. It creates the impression of instability and misrepresentation in my life history. Such false reporting is unfair, misleading, and unlawful under the FCRA. I demand immediate deletion. 

XXXX XXXX XXXX XXXX XXXX, TN XXXX This is yet another false address linked to my file. Its inclusion is misleading and directly affects the accuracy of my report. Because it can not be verified as my true and correct address, it must be permanently deleted under the law. This address is not present on any utility bills, government IDs, or bank documents connected to me. Its presence is confusing, as it suggests residence in a place I never lived. Reporting such data misrepresents my financial footprint. The FCRA holds that inaccurate or unverifiable identifiers must be deleted, not kept. This creates the impression that I have lived in multiple places without consistency. Such misreporting could harm my opportunities for housing, credit, and employment. I request immediate reinvestigation and removal under my legal rights. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$690.00} Chargeoff This account is being reported inaccurately as a charge-off. I dispute this because I never authorized such reporting, nor was I notified of any legitimate charge-off process. The FCRA requires complete and verifiable data, yet this entry is misleading, harmful, and unverifiable. I have not received any original documentation to prove the debt exists in the manner reported. Reporting a charge-off without proper verification is a violation of my rights under Section 1681e ( b ). The balance listed is not supported by any billing statement provided to me. No notice of acceleration or default was given prior to the alleged charge-off. The record makes it appear that I abandoned my obligation, which is entirely untrue. This is damaging to my creditworthiness because it paints a false picture of irresponsibility. Credit bureaus are required to ensure maximum possible accuracy, but this record does not meet that standard. Its reporting without verifiable proof causes harm in lending and employment opportunities. I have not authorized this trade line to continue showing negative data. As such, this record is unverified, inconsistent, and misleading. I demand its immediate deletion under my consumer rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$55.00} Late Payment This account shows late payments that are entirely false. I have never missed payments in the manner claimed, and the negative status is an error that misrepresents my creditworthiness. Because unverified late history can not be legally reported under FCRA, this account must be corrected or deleted. The payment history shown conflicts with my personal records. No proper billing cycle documentation has been provided to prove lateness. A balance of {$55.00} can not justify harmful derogatory reporting if not properly validated. This record portrays me as financially negligent, which is untrue. Section 1681i requires a reinvestigation when information is disputed, and I am invoking that right. My account history shows regular and timely payment practices. The negative listing harms my ability to access credit fairly. Its presence undermines my true financial behavior and is prejudicial to my profile. Without verifiable proof from the original creditor, this listing has no legal standing. It must be either corrected to reflect accuracy or permanently deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This entry inaccurately reflects late payment activity. With a XXXX balance, there is no basis for such reporting, which makes the status inherently inconsistent. The FCRA prohibits reporting data that can not be verified, and this information must be deleted. A late payment entry on an account that reports no balance is contradictory. No verifiable billing or delinquency notice has been presented to substantiate the claim. This is misleading because it suggests I failed to pay on a debt that no longer exists. Such reporting harms my credit standing unfairly. It creates confusion for lenders evaluating my responsibility. I have requested proof from the creditor and received none. Continuing to list negative history without proof is a violation of accuracy standards. It misrepresents my financial conduct to third parties. Section 1681e ( b ) requires accuracy and completeness, which this account fails to meet. Because it can not be proven with reliable evidence, I demand its deletion. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4.00} Late Payment This entry falsely indicates late payments despite the balance being negligible. The reporting is inconsistent, misleading, and can not be verified with accuracy. Under my FCRA rights, I request deletion of this unverified information immediately. A {$4.00} balance is not substantial enough to justify derogatory reporting unless supported by precise documentation. No valid evidence has been presented that I failed to pay in the timeframes alleged. This appears to be a clerical or reporting error rather than an accurate reflection of my history. It misleads future creditors into believing I am delinquent over a negligible sum. Such errors have serious consequences on my financial profile. The FCRA demands the highest level of accuracy, yet this record fails that standard. It also contradicts the principle of fairness under consumer protection law. Without verifiable proof, negative reporting on such a trivial balance is unlawful. It paints me as negligent where no true negligence exists. Because the information is misleading, unverifiable, and inconsistent, I demand deletion of this accounts negative reporting immediately. 

BANKRUPTCIES Federal Reference # XXXX This bankruptcy record is not only unverifiable but also duplicative of other entries, which creates multiple derogatory listings for the same alleged event. The FCRA prohibits duplicate and misleading reporting, so this entry must be deleted to restore accuracy in my report. No federal court has confirmed that I was a filer in this matter. I have never received certified copies of judgments or filings tied to my name. The reporting of the same case under different reference numbers inflates derogatory information. This violates the principle of fair and accurate reporting under federal law. Lenders and employers see this as repeated bankruptcies, which is false. The data being reported is misleading, harmful, and not verifiable. Section 1681i requires deletion of unverifiable records after dispute. I request immediate correction and removal of this duplicate and false entry. 

INQUIRIES XXXX XXXXXX/XX/XXXX This inquiry is unauthorized and harmful. I never applied for any credit with XXXX on this date. Reporting it violates my rights under the FCRA because there is no permissible purpose. This entry damages my score and credibility unfairly. It creates a false impression of credit activity. I request reinvestigation and proof of consent. If unverifiable, this inquiry must be deleted immediately. 

XXXX XX/XX/XXXX I dispute this inquiry because I never authorized XXXX to access my credit on this date. There is no application or contract supporting it. Reporting unauthorized inquiries is unlawful under FCRA section 604. This harms my credit score unfairly and misrepresents my history. I demand deletion after reinvestigation. If unverifiable, it must be removed at once. 

XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and unauthorized. I never gave permission for XXXX XXXX  to pull my file on this date. The FCRA requires proof of permissible purpose, and none exists here. This false entry lowers my credit score. It misleads future lenders and employers. I request reinvestigation and deletion. It must be removed immediately. 

XXXX  XX/XX/XXXX This inquiry was never authorized by me and must be deleted. I did not seek credit with this company on the reported date. The FCRA requires strict accuracy, and this is an unverifiable entry. It lowers my score unfairly. It damages my file and misrepresents my actions. I demand reinvestigation and removal. This entry must be deleted immediately. 

XXXX XX/XX/XXXX I dispute this inquiry because I never gave consent for XXXX XXXX to access my credit on this date. No legitimate application exists. This reporting violates my rights under the FCRA. It creates a misleading record of my financial behavior. This damages my score unfairly. I request deletion after reinvestigation. This must be removed immediately. 

XXXX  XX/XX/XXXX This inquiry is unauthorized and false. I did not apply for any credit with XXXX XXXX on this date. Reporting it is unlawful under the FCRA. This entry unfairly lowers my score and creates a misleading profile. It harms my creditworthiness with lenders. I demand reinvestigation. If unverifiable, it must be deleted immediately. 

XXXX XXXX XX/XX/XXXX I never authorized this inquiry with XXXX XXXX. No permissible purpose existed for this pull. Reporting it violates FCRA 604. It damages my credit score unfairly and creates confusion in my file. This entry is misleading and harmful. I request deletion after reinvestigation. It must be removed as unverifiable. 

XXXX  XX/XX/XXXX This inquiry is false, inaccurate, and harmful. I never permitted this company to access my file on this date. The FCRA requires accurate reporting, which is not met here. This damages my credit standing unfairly. It misrepresents my financial actions. I demand immediate reinvestigation and deletion. This inquiry must be removed. 

XXXX XX/XX/XXXX This inquiry was not authorized and is harmful to my credit. I never sought financing with XXXX XXXX on this date. Reporting it is unlawful under FCRA accuracy requirements. It lowers my score and misrepresents my credit history. This entry is misleading and unfair. I demand deletion after reinvestigation. It must be removed immediately. 

XXXX XX/XX/XXXX I did not authorize this inquiry and have no connection to XXXX XXXX on this date. The reporting is unlawful because it lacks permissible purpose under the FCRA. This inquiry unfairly lowers my score. It creates false impressions of my activity. I demand reinvestigation and proof of consent. If unverifiable, it must be deleted immediately. 

I demand full reinvestigation of the above accounts and permanent deletion of all inaccurate addresses and accounts. I ask CFPB to enforce compliance with the FCRA and ensure these wrong items are removed so that my credit file reflects only accurate and verifiable information as required by law.

Company response to consumer: Closed with non-monetary relief