Consumer complaint received 2026-05-20 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: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable information currently being reported on my consumer credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of all reported information. Despite my prior disputes, the inaccurate information remains on my report without proper verification. I respectfully request a complete investigation and correction of these reporting errors in accordance with federal law. The following address is inaccurate and does not belong to me. I have never resided at this address, received correspondence there, nor authorized this address to be associated with my consumer file. The inclusion of inaccurate identifying information raises concerns regarding mixed file reporting and violates the FCRA requirement for maximum possible accuracy. Pursuant to FCRA 1681e ( b ) and 1681i, I request immediate deletion of the following address : XXXX XXXX XXXX XXXX XXXX, FL XXXX This address is unfamiliar to me and is inaccurately associated with my credit profile. Please permanently remove this address from my consumer report immediately. Failure to correct inaccurate identifying information constitutes noncompliance with federal law and negatively affects the integrity of my consumer file. I also dispute the late payment history associated with the following accounts. The reported delinquency history appears inaccurate, incomplete, misleading, and unsupported by proper documentation. Pursuant to FCRA 1681i and 1681s-2 ( a ), I request a thorough reinvestigation into the validity and accuracy of the reported late payment history. If the furnishers can not provide competent documentary evidence substantiating the alleged delinquencies, the inaccurate reporting must be corrected or removed immediately. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} I dispute the late payment history being reported on this account. Please investigate the dates of alleged delinquency, payment application history, and all records relied upon to report this negative information. I request documentation demonstrating compliance with Metro 2 reporting standards and FCRA accuracy requirements. If the late payment reporting can not be fully verified through competent evidence, I demand immediate correction or deletion of the inaccurate payment history. Reporting inaccurate derogatory information causes substantial harm to my credit reputation and violates FCRA 1681e ( b ). XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$240000.00} I dispute the accuracy and completeness of the reported late payment history associated with this account. Please conduct a complete reinvestigation and provide all documentation supporting the alleged delinquencies. If the furnisher can not provide competent evidence verifying the accuracy of the reported payment history, I request immediate removal or correction of the inaccurate reporting pursuant to FCRA 1681i and 1681s-2 ( a ). The following charge-off accounts are not mine, and I have no knowledge of these accounts. I dispute these accounts in their entirety. Pursuant to FCRA 1681i and 1681e ( b ), I request a full reinvestigation and immediate permanent deletion if these accounts can not be properly verified through competent documentary evidence, including signed applications or contracts bearing my authorization. Automated or superficial verification procedures are insufficient under federal law. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} I have no knowledge of this account and dispute ownership entirely. Please provide competent evidence demonstrating that this account was legitimately opened and authorized by me. This includes signed applications, contracts, and documentation establishing my legal responsibility for the account. If proper verification can not be produced, I request immediate permanent deletion of this account from my consumer report. Continued reporting of unverifiable information constitutes a violation of the FCRA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} This account is unfamiliar to me, and I dispute it in full. Please conduct a comprehensive reinvestigation into the origin and validity of this account and provide competent documentary evidence proving my authorization and ownership. If the account can not be fully verified, I demand immediate deletion pursuant to FCRA 1681i and 1681e ( b ). Reporting inaccurate charge-off accounts causes substantial damage to my financial standing. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} I have no knowledge of this account and dispute any association with it. Please provide documentary evidence demonstrating my contractual liability and authorization for this account. Generic or automated verification responses do not satisfy the requirements of a reasonable reinvestigation under FCRA 1681i. If competent evidence can not be provided, this account must be deleted immediately from my credit file. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} I dispute this account because it does not belong to me. Please investigate the source and validity of this account and provide all documentation relied upon during your reinvestigation process. If the furnisher can not provide competent evidence establishing my responsibility for this account, I request immediate permanent deletion pursuant to the FCRA. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} I have no knowledge of this account and dispute the reporting in its entirety. Please conduct a complete reinvestigation into the accuracy and ownership of this account. If the account can not be properly validated with signed documentation and competent evidence, it must be permanently removed from my consumer report immediately. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} This account is inaccurate and unfamiliar to me. I request that XXXX verify the complete account information, including account ownership, authorization, and payment records. If the furnisher can not provide competent documentary evidence establishing the legitimacy of this account, I demand immediate deletion from my consumer report pursuant to FCRA 1681i and 1681e ( b ). Additionally, I dispute the following inquiries as unauthorized and impermissible. Under FCRA 1681b, a company must have a permissible purpose before obtaining access to a consumer report. I do not recognize these inquiries and do not recall authorizing any transactions or applications associated with them. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I dispute this inquiry as unauthorized and request documentation demonstrating permissible purpose and my authorization. If such documentation can not be provided, I request immediate deletion of this inquiry from my consumer report pursuant to FCRA 1681b and 1681i. Unauthorized inquiries negatively impact my creditworthiness and consumer privacy rights. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have no knowledge of authorizing this inquiry and request a full investigation into the circumstances surrounding this access to my consumer report. Please provide proof of permissible purpose. If verification can not be established, this inquiry must be removed immediately. In conclusion, I respectfully request that all inaccurate, incomplete, or unverifiable information be immediately corrected or deleted from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). I expect the credit reporting agencies and furnishers to comply fully with all applicable provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief