Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate, unverifiable, and fraudulent items being reported on my consumer credit file by the credit reporting agencies. These errors are causing significant harm to my creditworthiness and violate the FCRA ( 15 U.S.C. 1681 ). 

1. Inaccurate & Fraudulent Addresses ( Not Mine ) The following addresses are being reported on my credit file even though I have never lived at, used, or been associated with these locations : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses are false, unauthorized, and must be immediately removed from my credit profile under FCRA 1681e ( b ).

2. Fraudulent Charge-Off Accounts I Have No Knowledge of These Accounts I am seeing multiple charge-off accounts that I have no knowledge of, never opened, never authorized, and can not verify in any way. These accounts appear to be the result of identity theft, mixed files, or reporting errors.

I am requesting full deletion of the following accounts because they are not mine and can not be validated : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$1000.00} Charge-Off I have no knowledge of this account and did not authorize it. 

XXXX Open Date : XX/XX/XXXX High Credit : {$1000.00} Charge-Off Not my account. Must be deleted. 

XXXXXXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX High Credit : {$2000.00} Charge-Off I do not recognize or own this account. 

XXXX / XXXX Accounts All of the following Comenity accounts are unknown, unauthorized, and must be removed : XXXX XXXXXXXX High Balance : {$620.00} Charge-Off XXXX XXXX High Credit : {$4000.00} Charge-Off XXXX XXXXXXXX High Credit : {$750.00} Charge-Off XXXX XXXX High Credit : {$1400.00} Charge-Off XXXX XXXXXXXX High Credit : {$900.00} Charge-Off I have never opened any Comenity account in my life XXXX 
These must be deleted immediately for failure to provide permissible purpose and failure to verify ownership under FCRA 1681b and 1681i.

3. Requested Action by the CFPB I am requesting that the CFPB intervene and ensure that the credit reporting agencies : Delete all fraudulent charge-off accounts listed above Remove all inaccurate addresses Provide proof of permissible purpose, consent, and complete account-level documentation if these furnishers claim the accounts are legitimate Ensure full compliance with FCRA 1681e ( b ) Accuracy of information FCRA 1681i Reinvestigation requirement FCRA 1681b Permissible purpose Failure to correct these errors constitutes ongoing negligence and damages my consumer rights.

4. Requested Resolution I request : Immediate deletion of all unauthorized charge-off accounts Permanent removal of all wrong addresses Written confirmation of all actions taken Thank you for your prompt attention. These errors are severely impacting my ability to obtain credit and housing, and I expect a full investigation.

Company response to consumer: Closed with explanation