Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies on my credit report. I have no knowledge of some accounts listed, and other entries reflect false information, including charge-offs, late payments, and incorrect addresses. These reporting errors violate the Fair Credit Reporting Act ( FCRA ) Sections 1681i, 1681e ( b ), 1681k, and 15 U.S.C. 1692 applicable to accurate reporting. I request that CFPB direct a thorough investigation and corrective action for each item listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Address I have never lived at this address. Reporting inaccurate addresses violates FCRA Section 609 and Section 611. I request deletion. 

XXXX XXXX XXXX XXXX, NJ XXXX Address I have never used this PO Box . Inclusion of this address is inaccurate under FCRA Sections 607 and 611. I request deletion. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * I have no knowledge of this account. It appears on my credit report incorrectly. Reporting this account as a charge-off without verification violates FCRA Sections 607 and 611. I request immediate deletion of this account. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$220.00} Chargeoff * I do not recognize this account and have never incurred this debt. FCRA Section 623 requires furnishers to report accurate information. This account is inaccurate and should be deleted. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Late Payment * * I have never made late payments on this account. Reporting inaccurate late payments violates FCRA Sections 609 and 611. I request correction of the payment history to accurately reflect my timely payments. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * I have no record of late payments for this account. Under FCRA Sections 607 and 611, reporting inaccurate payment history is a violation. I request correction or removal of this inaccurate reporting. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * I have no knowledge of this account. Listing this as a charge-off is inaccurate under FCRA Sections 607 and 623. I request immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$230.00} Chargeoff * * I have no knowledge of this account. Reporting unverified charge-offs violates FCRA Sections 607 and 611. I request deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00} Chargeoff * * I have never incurred this debt. FCRA Sections 607, 611, and 623 require accurate reporting. I request removal of this inaccurate charge-off. 

I request CFPB to ensure all disputed items are properly reinvestigated and that all inaccurate information, including charge-offs, late payments, and addresses, are corrected or removed from my credit report. Continued reporting of these errors constitutes violations of the FCRA, and I insist on immediate remedial action.

Company response to consumer: Closed with non-monetary relief