Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
I am submitting this formal complaint to report multiple inaccuracies and unauthorized items being reported on my credit file by certain furnishers and data furnishers. These inaccurate entries are severely damaging my credit reputation and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

1. Wrong Personal Address Reporting The following addresses are being inaccurately reported on my credit profile, and I have no association with them whatsoever : XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX These addresses are completely incorrect and unrelated to me. Their continued presence on my credit report suggests possible identity confusion, data mix-up, or unauthorized usage of my information. I request these addresses to be immediately deleted from my credit file. 

2. Unauthorized Collection Accounts The following collection accounts are being reported without my authorization or any verified contractual agreement between myself and the alleged creditors or debt buyers : XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX  ) High Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) High Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX  High Balance : {$8200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) High Balance : {$5600.00} Date Opened : XX/XX/XXXX I have no knowledge of these accounts and have never authorized, opened, or received notice of any such obligations. These accounts appear to be either the result of erroneous reporting or potential identity misuse. 

Per FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information must ensure that all data reported is accurate and complete. The repeated and conflicting account details from XXXX XXXX XXXX demonstrate a clear failure to maintain accuracy and integrity in reporting. I demand these accounts be fully investigated and permanently deleted if the furnishers can not produce valid documentation with my verified signature proving my liability. 

XXXX. Questionable Credit Inquiries The following hard inquiries were made on XX/XX/XXXX, without my knowledge or authorization : XXXX XXXX XXXX XXXX I did not apply for credit or authorize any entity to pull my credit report on or around that date. These inquiries are unauthorized and constitute a violation of FCRA 604 ( a ) ( 2 ), which requires permissible purpose before any consumer report may be accessed. 

I am requesting immediate removal of these unauthorized inquiries from my credit profile.

Requested Resolution I respectfully request the following corrective actions : Immediate deletion of the inaccurate addresses listed above. 

Full removal of the unauthorized collection accounts from XXXX XXXX XXXX and XXXX XXXX XXXX. 

Deletion of all unauthorized hard inquiries made without my written consent. 

Confirmation from the CFPB that these furnishers have been instructed to comply with the FCRAs accuracy and verification requirements. 

These inaccurate and unauthorized items have caused significant harm to my credit standing and peace of mind. I am requesting urgent review and enforcement action to ensure these furnishers correct or delete the disputed information. 

Please confirm receipt of this complaint and advise me of the next steps or any supporting documents required. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief