Consumer complaint received 2025-08-16 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:
To the Consumer Financial Protection Bureau ( CFPB ) : I am submitting this complaint because my credit reports contain multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and wrong addresses. These errors are severely harming my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my rights under federal law, the credit bureaus and furnishers have failed to ensure maximum possible accuracy of the information they report about me. 
Wrong Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address. 
Law : FCRA 607 ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. 
Story : I have never lived at this address. Reporting a false address links me to locations with which I have no connection, which is misleading and harmful. This false information suggests fraudulent activity or mistaken identity. It also raises severe safety and identity concerns, as inaccurate addresses could tie me to accounts, debts, or legal matters that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Wrong Address. 
Law : FCRA 607 ( b ), 611.

Story : I have never lived here. Reporting wrong addresses suggests negligence in maintaining accurate data. This creates barriers when applying for housing or loans, as I am forced to explain false information that should not exist on my report. 
Accounts with Issues Dept of EducationXXXX ( Account : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$3500.00} ) Issue : Late Payment. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate information to credit bureaus. 
Story : I dispute the reported late payments because they are inaccurate. I was in contact with the servicer regarding deferment/forbearance options, and the account was not delinquent in the way it has been reported. Reporting me late during a period when I had protections is harmful, misleading, and unlawful. 
XXXX XXXX ( Account : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2600.00} ) Issue : Collection. 
Law : FDCPA 807 prohibits the use of false or misleading representations, and FCRA 623 prohibits inaccurate reporting.

Story : I have no knowledge of this debt being valid or properly assigned. No validation has been provided to prove this collection is legally mine. Reporting unverifiable debt damages my reputation and violates my rights under FCRA and FDCPA. 
XXXX XXXX XXXX  ( Account : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ) Issue : Charge Off. 
Law : FCRA 609 and 623 require proof and accuracy of reported data.

Story : This account was reported as charged off without providing me proper validation or notices. I have requested information multiple times, and no legitimate proof has been provided. This inaccurate charge-off has lowered my credit score unfairly and resulted in loss of credit opportunities. 
XXXX XXXX XXXX  ( Account : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$530.00} ) Issue : Charge Off. 
Law : FCRA 623 ( a ) ( 1 ) ( A ), FDCPA 807.

Story : I dispute this account as inaccurate. The reporting is duplicative, misleading, and harmful because it appears that I have multiple charge-offs when in fact it may be the same debt being reported in error. This practice is unlawful and must be corrected. 
XXXX XXXX ( Account : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$340.00} ) Issue : Charge Off. 
Law : FCRA 607 ( b ), FDCPA 809 ( b ). 
Story : I dispute this account as inaccurate. XXXX has failed to provide any validation of this alleged debt. Additionally, I never received proper notice of this charge-off. Reporting without proof is not only unfair but also damaging to my financial standing. 
Hard Inquiries XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : Unauthorized or questionable inquiries. 
Law : FCRA 604 ( a ) ( 2 ) requires permissible purpose before any entity may access a consumers credit file. 
Story : I did not authorize many of these inquiries. They are damaging because each hard inquiry lowers my credit score and makes me appear risky to lenders. Under FCRA, any inquiry without permissible purpose is unlawful. These inquiries must be removed immediately, as they reflect unauthorized access to my personal data and represent a violation of my privacy rights. 
Closing Statement The presence of wrong addresses, unverifiable accounts, and unauthorized inquiries is clear evidence of violations of my rights under federal law. These errors have caused me significant financial and personal harm by lowering my credit score, limiting my access to fair credit opportunities, and exposing me to risks of identity theft. 
I request the CFPBs assistance to enforce the law and ensure that the credit bureaus and furnishers immediately correct or delete all inaccurate, unverifiable, and unauthorized information listed in this complaint.

Company response to consumer: Closed with non-monetary relief