Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I am filing this formal complaint because multiple credit bureaus and furnishers are reporting inaccurate, unverifiable, and false information on my credit profile, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Despite my repeated disputes and requests for investigation, these furnishers and reporting agencies continue to report false information, including wrong addresses, charge-offs, collections, and late payments that I have no knowledge of or have been inaccurately reported. 

XXXX. Wrong Addresses Reported The following addresses listed on my credit report are completely incorrect and have no connection to me : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are false and indicate potential mixed file or identity errors. I demand that all credit bureaus remove these addresses immediately as they are not linked to my identity. 

XXXX. Unverified and Inaccurate Accounts Reported The following accounts are being reported inaccurately and must be removed or corrected : Charge-Off Accounts ( No Knowledge of These Accounts ) These accounts are being reported as charge-offs, yet I have no knowledge or recollection of opening or owing these accounts. Under FCRA 611 ( 15 U.S.C. 1681i ), furnishers are required to verify the validity and accuracy of the accounts ; failure to do so mandates deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these charge-off accounts is unverified and unfamiliar to me. I am requesting full deletion of these accounts as required under FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) if verification can not be properly substantiated.

Collection Accounts ( No Knowledge of These Accounts ) The following collection accounts are also being falsely reported and must be removed immediately unless the furnishers provide proper validation of debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To date, I have not received any documentation, contract, or signed agreement verifying that these accounts belong to me. 

Late Payment Account ( Inaccurate Reporting ) The following account is being reported with false late payments. I have never made any late payments, and this history must be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$540.00} Opened : XX/XX/XXXX Reporting false late payments violates FCRA 607 ( b ), which mandates maximum possible accuracy in all consumer reports. 

XXXX. Bankruptcy Reporting Error The following bankruptcy record is completely inaccurate and falsely reported : U.S. Bankruptcy Court File XXXX XXXXXXXX Reported XX/XX/XXXX I have never filed for bankruptcy. Reporting this without factual basis is a serious violation of the FCRA and must be deleted immediately. 

XXXX. Unauthorized Inquiry The following inquiry is also suspicious and appears unauthorized : DEPT OF ED XX/XX/XXXX I have no active or pending relationship with this entity and never authorized this inquiry. Under FCRA 604 ( a ), inquiries must have a permissible purpose this one does not.

Requested Resolution I respectfully request that the CFPB investigate these serious violations of my consumer rights under the FCRA and FDCPA. I am asking for the following corrective actions : Immediate deletion of all unverified and inaccurate charge-off, collection, and bankruptcy accounts. 

Removal of all incorrect addresses from my credit file. 

Correction of the false late payment reporting for XXXX. 

Deletion of the unauthorized inquiry from DEPT OF ED. 

Written confirmation from the bureaus and furnishers upon completion of the investigation. 

These errors have significantly damaged my creditworthiness and caused undue emotional and financial distress. I am requesting that the CFPB ensure all furnishers and credit bureaus comply with federal law and correct these inaccuracies without delay.

Company response to consumer: Closed with non-monetary relief