Consumer complaint received 2025-05-19 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: VA

Complaint narrative:
To Whom It May Concern, This is my next attempt to have several inaccurate and unverifiable items removed from my credit report. Despite previous disputes, these errors have not been corrected, which continues to cause me significant harm. I am writing not only as a consumer, but as someone who has worked hard to maintain financial responsibilityand I refuse to accept errors on my report that I did not cause and that remain unverified. 
Over the past few years, I have experienced financial and personal challenges, including job transitions and identity confusion related to incorrect addresses being reported. These reporting issues are affecting my access to fair financial opportunities. I have never lived at many of the addresses on my report, and some of the inquiries and accounts listed were never authorized or confirmed by me. 
INCORRECT ADDRESSES The following addresses are being falsely reported as associated with me. I have never resided at these locations. Please delete them immediately under FCRA 607 ( b ) as they contribute to a distorted and inaccurate consumer profile : XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Please also provide the name and contact information of the data furnisher ( s ) that reported these addresses, as required under FCRA 609 ( a ) ( 1 ). 
UNVERIFIED ACCOUNT The following derogatory item is being reported without sufficient validation. I request an immediate investigation and permanent removal unless it can be verified directly with original source documentation : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX o Opened : XX/XX/XXXXXXXX  o High Balance : {$2700.00} o Status : Charge Off Under FCRA 611 ( a ), you must remove unverifiable information if it can not be proven accurate through a reinvestigation. Please provide a copy of any contract, payment history, or documentation originally signed by me to justify this reporting. 
UNAUTHORIZED INQUIRIES I am also disputing the following inquiries, which were made without my authorization. These may violate FCRA 604 ( a ), which requires a permissible purpose and consumer consent for access to my credit file : US DEPARTMENT OF EDUCATION XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please provide the documentation or authorization used to initiate these inquiries. If no proper legal basis exists, these inquiries must be deleted immediately. 
FINAL NOTICE I am requesting that these issues be resolved within 15 calendar days from the date of this letter. If not, I will escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I am also prepared to pursue legal action for negligent and willful noncompliance under FCRA 616 and 617.

Please send written confirmation of the deletions and results of your investigation.

Company response to consumer: Closed with non-monetary relief