Consumer complaint received 2025-10-14 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 complaint regarding serious inaccuracies and violations present on my credit reports that are negatively impacting my creditworthiness. The information being reported is false, outdated, unverifiable, and in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Despite my repeated attempts to dispute these accounts and incorrect addresses with the credit reporting agencies, they continue to allow these inaccuracies to remain. Below, I have outlined the specific issues : 1. Wrong and Fraudulent Addresses Reported XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address These addresses are not associated with me and should not be linked to my credit profile. Their presence suggests possible mixed files or identity theft risk. 

2. Inaccurate Accounts and Erroneous Reporting XXXX XXXX XXXX XXXX High Balance {$270.00}, Opened XX/XX/XXXX Charge Off XXXX XXXX  XXXX High Balance {$500.00}, Opened XX/XX/XXXX Late Payment XXXX XXXX High Balance {$610.00}, Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX High Balance {$100.00}, Opened XX/XX/XXXX Charge Off XXXX XXXX High Balance {$920.00}, Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX High Balance {$4300.00}, Opened XX/XX/XXXX Charge Off XXXX XXXX High Balance {$260.00}, Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX High Balance {$45000.00}, Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX High XXXX {$25000.00}, Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX High Balance {$1800.00}, Opened XX/XX/XXXX Collection ( future-dated, impossible, and invalid ) XXXX  XXXX High Balance {$3200.00}, Opened XX/XX/XXXX Collection ( future-dated, impossible, and invalid ) XXXX  XXXX High Balance {$0.00}, Opened XX/XX/XXXX Charge Off ( invalid zero balance charge-off ) XXXX XXXX High Balance {$0.00}, Opened XX/XX/XXXX Charge XXXX XXXX XXXX High Balance {$0.00}, Opened XX/XX/XXXX Charge XXXX XXXX XXXX High Balance {$0.00}, Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX High Balance {$0.00}, Opened XX/XX/XXXX Charge Off Several of these accounts report impossible future dates, zero-dollar charge-offs, and inaccurate payment histories. Such reporting is not only misleading but legally non-compliant with FCRA standards of maximum possible accuracy. 

XXXX. Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX I demand strict verification of these filings. If they can not be verified directly with the court in compliance with FCRA 609 ( e ), they must be deleted immediately. 

4. Unverified and Excessive Inquiries The following hard inquiries are appearing without my authorization and are damaging my credit profile : 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  These inquiries were not authorized by me and therefore violate FCRA 604. They must be removed immediately. 

My Demands Remove all inaccurate, unverifiable, and fraudulent accounts from my credit reports. 

Delete all wrong addresses that are not associated with me. 

Remove all unauthorized and excessive inquiries. 

Conduct a full investigation in compliance with the FCRA, provide me with documentation of verification, and confirm deletions in writing. 

Failure to correct these violations will leave me no choice but to escalate this matter further through legal channels, including complaints to the FTC, State Attorney General, and possible private legal action for damages.

Company response to consumer: Closed with non-monetary relief