Consumer complaint received 2025-09-09 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 filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) are being violated. The credit reporting agencies and furnishers of information have allowed inaccurate, incomplete, and unverifiable information to remain on my credit report, causing significant harm to my financial stability, creditworthiness, and personal reputation. 

Wrong and Fraudulent Addresses The following addresses are false, inaccurate, and not associated with me. They are clear violations of FCRA 607 ( b ) which requires credit reporting agencies to ensure maximum possible accuracy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses do not belong to me and must be removed immediately. 

Accounts Reported with Errors and Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as late payment with high balance {$530.00} ( opened XX/XX/XXXX ). I dispute this account as inaccurate and unverifiable. Reporting late payments without proper validation violates FCRA 609 ( a ) and FCRA 611 ( a ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as late payment with high balance {$4900.00} ( opened XX/XX/XXXX ). This account has not been properly verified and remains inaccurate. Continued reporting violates FCRA 607 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported late payment, balance {$270.00} ( opened XX/XX/XXXX ). I demand strict proof and validation. Reporting unverifiable derogatory information is a violation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off, balance {$19000.00} ( opened XX/XX/XXXX ). This is inaccurate and misleading. Under FCRA 623 ( a ) ( 1 ) ( A ) furnishers must not report false information. 

XXXX XXXX Acct # XXXX Reported as a charge-off, balance {$14000.00} ( opened XX/XX/XXXX ). This reporting is outdated, unverifiable, and continues to damage my report. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Reported as collection, balance {$1400.00} ( opened XX/XX/XXXX ). No validation notice was ever sent as required by the FDCPA 809 ( a ). 

XXXX XXXX Acct XXXX XXXX XXXX  Reported as collection, balance {$1300.00} ( opened XX/XX/XXXX ). This is inaccurate, unverifiable, and being reported without compliance to validation requirements. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Reported as collection, balance {$930.00} ( opened XX/XX/XXXX ). This is a duplicate/unverified account. Duplicate reporting violates FCRA 607 ( b ). 

XXXX XXXX XXXX Acct # XXXX Reported as collection, balance {$180.00} ( opened XX/XX/XXXX ). This is clearly an erroneous entry since the date listed is in the future, proving inaccuracy and negligence. 

XXXX XXXX Acct # XXXX Reported as collection, balance {$1200.00} ( opened XX/XX/XXXX ). No proper validation was provided. Reporting unverifiable information violates FCRA 611 ( a ). 

Unlawful Inquiry XXXX XXXX dated XX/XX/XXXX This was unauthorized. Under FCRA 604, inquiries must have a permissible purpose. This inquiry is a violation and must be removed. 

Conclusion and Relief Requested The above issues represent systemic violations of FCRA and my rights as a consumer. These false, misleading, and unverifiable items are damaging my credit profile and preventing me from obtaining fair credit opportunities. 

I demand that CFPB require the credit reporting agencies and furnishers to : Remove all inaccurate addresses. 

Delete or properly validate each disputed account. 

Remove the unauthorized inquiry. 

Provide a corrected and updated credit report reflecting these changes.

Company response to consumer: Closed with non-monetary relief