Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to formally dispute multiple inaccurate items reporting on my credit file. These entries are incorrect, misleading, and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting a complete and lawful investigation of these items and immediate correction or deletion where required. The following addresses are appearing on my credit report which I have no knowledge of and have never been associated with. The inclusion of these addresses indicates a serious failure to ensure maximum possible accuracy as required under FCRA 611. XXXXXXXX XXXX XXXX XXXX, XXXX XXXX WRONG ADDRESS I have never been connected to this address in any way. There is no contractual, residential, or mailing history linking me to this location. This inaccurate entry suggests that my credit file may have been improperly merged with another individuals information. Such reporting is a clear violation of the requirement to maintain accurate consumer data. This address must be removed after proper investigation as it is not mine. XXXX XXXX XXXXXXXX OPEN DATE : XX/XX/XXXX HIGH BALANCE : {$28000.00} CHARGE OFF This account is unfamiliar to me and has never been acknowledged or verified. I have not entered into any agreement with this creditor, nor have I received any proper validation. The continued reporting of this account without evidence is misleading and unlawful. This raises serious concerns regarding the reliability of the information being furnished. Proper procedures for verification have clearly not been followed in this case. XXXX XXXX OPEN DATE : XX/XX/XXXX HIGH BALANCE : {$170000.00} LATE PAYMENT The late payment information being reported on this account is inaccurate and unsupported. I have maintained responsible payment behavior, and there is no factual basis for the late entries being reported. This inaccurate reporting negatively impacts my creditworthiness and reflects a failure to properly maintain accurate records. The data furnished does not align with actual payment activity and must be reviewed and corrected. XXXX XXXX OPEN DATE : XX/XX/XXXX HIGH BALANCE : {$5200.00} LATE PAYMENT This account is also reporting incorrect late payment history. I have not been late on payments as reported. The inclusion of false late payment information is misleading and violates the requirement for accurate reporting. This demonstrates a lack of proper investigation and verification prior to reporting. The payment history must be corrected to accurately reflect my account activity. XXXX DATE : XX/XX/XXXX INQUIRY I do not recognize this inquiry and did not provide authorization. There is no permissible purpose for this access to my credit file. XXXX DATE : XX/XX/XXXX INQUIRY This inquiry is unfamiliar and unauthorized. No consent was given for this credit pull. XXXX DATE : XX/XX/XXXX INQUIRY I have no record of authorizing this inquiry. It is inaccurate and must be deleted. XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY This inquiry was not authorized and is being reported incorrectly. XXXX DATE : XX/XX/XXXX INQUIRY This inquiry is unfamiliar and lacks any permissible purpose. XXXX DATE : XX/XX/XXXX INQUIRY I did not authorize this inquiry and have no knowledge of it. I demand the immediate deletion of all unauthorized inquiries and inaccurate late payment history and charge off and collection and bankruptcy listed above from my credit report. Failure to properly investigate and correct these inaccuracies will constitute continued non-compliance with federal law. I expect all disputed items to be reviewed within the legally required timeframe and corrected accordingly. Please provide written confirmation of all actions taken. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief