Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
I am filing this complaint against Equifax for reporting inaccurate and unverifiable information on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to correct these inaccuracies, Equifax has continued to report false data that is damaging my financial integrity, mental peace, and opportunities. The following items are either reporting inaccurate information, are not verifiable, or are obsolete. I am demanding immediate investigation, deletion, and compliance with the FCRA. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address This address is not mine and should not be associated with my credit file under FCRA 15 U.S.C 1681e ( b ) which requires reasonable procedures to ensure maximum accuracy XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address I never resided at this address, and its continued presence harms my report accuracy FCRA 609 ( c ) ( XXXX ) ( A ) XXXX XXXX XXXX XXXX, GA XXXX Wrong Address This address is completely unfamiliar and must be deleted immediately FCRA 611 ( a ) ( XXXX ) ( A ) XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address Inaccurate personal identification FCRA 605 ( b ) XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Never lived here, this is harmful to my identity profile FCRA 1681e ( b ) XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Unverified and damaging address inclusion FCRA 602 ( A ) XXXX XXXX XXXX XXXX, MI XXXX Wrong Address This is an erroneous linkage to my credit file and must be removed FCRA XXXX XXXX & XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$540.00} Collection Issue : This account is duplicated under a slightly different name, showing up multiple times and violating FCRA 607 ( b ) for accurate reporting. Law : FCRA 609 and 611 require furnishers and CRAs to ensure complete and non-duplicated reporting. Story : I have contacted the original creditor, and they confirmed only XXXX account. However, Equifax continues to show multiple entries of the same debt. 
XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$920.00} Collection Issue : This collection has been paid and should no longer appear as open or active. Law : FCRA 605 ( b ) and 623 ( a ) ( 2 ) require updates to reflect payment status. Story : I settled this debt months ago, and I have the receipts. Equifax is willfully ignoring updated information from the collector. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Charge Off Issue : This account was disputed with the original creditor and is still inaccurately marked as charged off. Law : FCRA 611 ( a ) incomplete or inaccurate information must be corrected or removed. Story : I made timely payments on this account, and charge-off was issued in error due to their internal system glitch, which I previously communicated. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Collection Issue : This debt is obsolete and beyond the seven-year reporting window. Law : FCRA 605 ( a ) ( XXXX ) collection accounts must not remain on file beyond XXXX years. Story : This account is from XXXX and is aged out under FCRA guidelines. It should not appear on my credit report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$3900.00} Charge Off Issue : Inaccurately listed as charged off, and duplicated information exists across reports. Law : FCRA 1681i ( a ) ( 5 ) requires that disputed, unverifiable, or duplicated data be deleted. Story : I had arrangements with XXXX XXXX which were not updated by the furnisher. Equifax has continued to reflect the charge-off unfairly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Charge Off Issue : Account was under forbearance during the pandemic but still charged off. Law : FCRA 623 ( a ) ( XXXX ) ( A ) requires furnishers to report accurate data. Story : I was under financial hardship and communicated with the creditor. I have documentation showing that my account was in good standing during this time, yet it was wrongfully charged off. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$360.00} Charge Off Issue : This account reflects inaccurate dates and amounts. Law : FCRA 611 mandates deletion if the information can not be verified. Story : Ive made multiple efforts to validate this charge-off with Equifax and XXXX XXXX, but no verifiable record has been provided. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} Late Payment Issue : This federal loan account shows late payments during a federally protected forbearance period. Law : CARES Act + FCRA 623 ( a ) ( 1 ) ( A ). Story : During COVID-19, all federally held student loans were in forbearance, and no late payments should be recorded. This reflects inaccurate furnishing by the creditor. 
Duplicate Entries : XXXX XXXX XXXX XXXX Already reported above Duplicated Entry Law : FCRA 607 ( b ) XXXX  XXXX Already reported above Duplicate Law : FCRA 611 ( a ) ( 5 ) TXXXX XXXX  XXXX Duplicate Law : FCRA 609 TOTAL XXXX  XXXX Duplicate Law : FCRA 605 XXXX  XXXX XXXX Duplicate Law : FCRA 607 XXXX XXXX XXXX Duplicate Law : FCRA 611 FIRST XXXX XXXX  XXXX Duplicate Law : FCRA 611 Hard Inquiries Without Consent : XXXX XXXX  XXXX XX/XX/XXXX Inquiry Issue : I never applied for credit from Elan Financial . Law : FCRA 604 ( a ) ( 3 ) permissible purpose is required. Story : This hard inquiry damaged my score without my authorization or application. It is unauthorized and must be removed. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : No known application for credit with this institution. Law : FCRA 604 ( a ) ( XXXX ) no permissible purpose. Story : I never gave permission to pull my credit and was never notified. This unauthorized inquiry is a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief