Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
I am filing this complaint against Equifax because my credit report contains multiple inaccurate and unverifiable items that have not been corrected even after I filed disputes. Equifax has failed to report accurate information and has not provided any documentation to prove the validity of these accounts, addresses, or inquiries. 

There is a wrong address listed on my report that does not belong to me : XXXX XXXX XXXX XXXX, LA XXXX. This address is completely unrelated to me and must be removed from my credit file. 

Equifax is also reporting an account from XXXX XXXX XXXX XXXX XXXX XXXX  with a high balance of {$680.00} opened on XX/XX/XXXX as having a late payment. This information is false and inaccurate because I have never made any late payments on this account. The incorrect reporting of this payment history is harming my credit standing. 

In addition, there are several charge-off accounts appearing on my credit report that I have no knowledge of and that do not belong to me. These include XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a high balance of {$1400.00} opened on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX with a high balance of {$580.00} opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a high balance of {$5500.00} opened on XX/XX/XXXXXXXX XXXX XXXX XXXX * with a high balance of {$2500.00} opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  with a high balance of {$20000.00} opened on XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX with a high balance of {$5000.00} opened on XX/XX/XXXX. I have never opened or maintained any of these accounts, and Equifax has failed to verify their accuracy despite my previous dispute. 

Equifax is also reporting several collection accounts that I have no knowledge of. These are XXXX XXXX XXXX XXXXXXXX XXXX XXXX with a high balance of {$5700.00} opened on XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a high balance of {$710.00} opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  with a high balance of {$580.00} opened on XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  with a high balance of {$4900.00} opened on XX/XX/XXXX. I have no relationship with these companies, and these accounts appear to be incorrect and unverifiable. 

In addition to these false accounts, there are multiple unauthorized inquiries that I never approved or consented to. The inquiries include XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not authorize these companies to pull my credit report. 

These inaccuracies and unauthorized entries are serious violations of the Fair Credit Reporting Act ( FCRA ). Equifax has failed to maintain fair and accurate reporting, and its lack of proper verification has caused significant harm to my credit profile and reputation. I am requesting the Consumer Financial Protection Bureau to investigate this matter and require Equifax to delete all inaccurate, unverifiable, and unauthorized information from my credit report and provide me with an updated, corrected version of my report.

Company response to consumer: Closed with explanation