Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint because my credit reports contain inaccurate and unverified information that is harming my credit standing and has not been properly investigated or corrected by the credit bureaus. Despite my prior dispute, the following inaccurate entries remain : Wrong Address Reporting : XXXX XXXX XXXX  XXXX, NC XXXX This address does not belong to me and I have never lived, worked, or received mail there. Its presence on my credit report violates FCRA 607 ( b ), which mandates that credit reporting agencies must maintain maximum possible accuracy. I demand this incorrect address be deleted immediately as it suggests identity or reporting errors. 
XXXX XXXX XXXX, NC XXXX This address is also inaccurate and unrelated to me in any way. Reporting such incorrect personal data constitutes a failure to ensure accuracy under FCRA 602 ( A ). Please remove it immediately and confirm the correction in writing. 
Account Disputes : XXXX XXXXXXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Charge Off * * I have no knowledge of this alleged account or any debt owed to XXXX XXXXXXXX in this amount. No valid contract, signed application, or billing statements have ever been provided to me as proof of this debt. Reporting unverifiable and unvalidated accounts violates FCRA 611 and 623 ( a ) ( 1 ) ( A ), which prohibit the reporting of inaccurate information. If the furnisher can not provide original signed documentation verifying this accounts authenticity and accuracy, it must be permanently deleted. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Charge Off * * This account is being reported as a charge-off, yet I have never authorized or opened any such account with XXXX XXXX XXXX  XXXX XXXX. The reporting of this unverifiable and derogatory account is causing substantial harm to my creditworthiness and constitutes defamation of character. Under FCRA 623 ( a ) ( 3 ) and 611 ( a ) ( 1 ), XXXX  must verify its accuracy through direct validation with the original creditor or delete it. 
XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Charge Off * * I dispute this account in its entirety as inaccurate, unverifiable, and unauthorized. I have no recollection or record of any such account or debt with XXXX. Reporting a high-balance charge-off with no verified documentation is a direct violation of FCRA 602 ( B ) and 611 ( a ). You are legally obligated to verify this information or remove it immediately. 
XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Late Payment * * I dispute the late payment history associated with this account. I have consistently made all payments on time and have never been notified of any delinquency. Reporting a false late payment constitutes negligent misrepresentation and a violation of FCRA 607 ( b ), as well as 15 U.S.C. 1681i, which requires credit bureaus to ensure the accuracy of all information. This account must be corrected to reflect a positive payment history. 
Unauthorized Hard Inquiries : XXXX XXXX XX/XX/XXXX Inquiry This inquiry also appears to have been made without my consent or application for credit. This is a direct breach of my privacy rights under FCRA 604 ( a ). I demand that this inquiry be deleted immediately and written confirmation provided to me. 
Requested Resolution I am asking the CFPB to : XXXX. Require the credit bureaus to remove all inaccurate addresses not associated with me. 
XXXX. Compel the credit bureaus and furnishers to correct the XXXX account to reflect a perfect payment history, as I have not missed any payments. 
XXXX. Instruct all parties involved to delete any unauthorized hard inquiries that lack proper consumer authorization. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). They have caused harm to my credit reputation and hindered my ability to obtain fair financial opportunities. 
Please investigate these matters thoroughly and ensure compliance with all consumer protection laws. I am attaching a copy of my identification and supporting documentation to assist with verification. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief