Consumer complaint received 2025-12-07 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: NC

Complaint narrative:
I am submitting this formal complaint because multiple credit reporting agencies ( CRAs ) and furnishers are reporting inaccurate, unverifiable, and damaging information on my consumer reports. These errors violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) for failure to maintain maximum possible accuracy, and 1681i for failure to properly investigate disputed information.

1. Wrong / Fraudulent Addresses Reported The following addresses do not belong to me, I have no connection to them, and I have never lived at or used these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Wrong Address These addresses indicate possible mixed files, identity errors, or file contamination, and MUST be investigated and removed immediately. 

2. Charge-Off Accounts I Have No Knowledge of These Accounts The following accounts are being reported as charge-offs, but I have no knowledge of these accounts, I never authorized them, and the furnishers have failed to produce any valid proof of ownership, signed contracts, or application records : XXXX XXXX XXXXXXXX XXXX XXXX High Balance {$840.00} Opened XX/XX/XXXX Charge Off XXXX XXXX XXXXXXXX XXXX XXXX High Balance {$580.00} Opened XX/XX/XXXX Charge Off XXXX XXXXXXXX XXXXXXXX XXXX XXXX High Balance {$580.00} Opened XX/XX/XXXX Charge Off Because I have no knowledge of these accounts, I request full deletion for failure to verify. 

XXXX. Collection Accounts I Have No Knowledge of These Accounts These debt collectors are reporting accounts that are not mine, without providing validation or proof : XXXX XXXX XXXX XXXX High Balance {$770.00} Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$260.00} Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$910.00} Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX  High Balance {$280.00} Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX High Balance {$270.00} Opened XX/XX/XXXX Collection Under the FDCPA and FCRA, unverified or unauthorized collection accounts must be removed immediately. 

4. Late Payment Accounts The Payment History Is Incorrect The following accounts are reporting late payments, but the history is inaccurate because I have never made late payments on these accounts. These furnishers must correct or delete the inaccurate payment history : DPT EDXXXX XXXXXXXX XXXX XXXX High Balance {$2000.00} Opened XX/XX/XXXX Late Payment DPT EDXXXX XXXXXXXX XXXX XXXX High Balance {$5500.00} Opened XX/XX/XXXX Late Payment DPT EDXXXX XXXXXXXX XXXX XXXX High Balance {$1000.00} Opened XX/XX/XXXX Late Payment DPT EDXXXX XXXX XXXX XXXX High Balance {$3000.00} Opened XX/XX/XXXX Late Payment DPT EDXXXX XXXXXXXX XXXX XXXX High Balance {$1700.00} Opened XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX High Balance {$12000.00} Opened XX/XX/XXXX Late Payment DPT EDXXXX XXXXXXXX XXXX XXXX High Balance {$3000.00} Opened XX/XX/XXXX Late Payment DPT EDXXXX XXXXXXXX XXXX XXXX High Balance {$1700.00} Opened XX/XX/XXXX Late Payment DPT EDXXXX XXXX XXXX XXXX High Balance {$2700.00} Opened XX/XX/XXXX Late Payment DPT EDXXXX XXXXXXXX XXXX XXXX High Balance {$2000.00} Opened XX/XX/XXXX Late Payment DPT EDXXXX XXXXXXXX XXXX XXXX  High Balance {$1700.00} Opened XX/XX/XXXX Late Payment DPT EDXXXX XXXXXXXX XXXX XXXX  High Balance {$2000.00} Opened XX/XX/XXXX Late Payment DPT EDXXXX XXXXXXXX XXXX XXXX High Balance {$4500.00} Opened XX/XX/XXXX Late Payment I request an investigation and correction of ALL inaccurate late payment reporting. 

5. Hard Inquiries Not Authorized I did not authorize the following inquiries and request their removal : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX These inquiries are unauthorized and must be deleted. 

Requested Resolution I respectfully request the CFPB to require the CRAs and furnishers to : Remove all wrong addresses from my credit file.

Delete all charge-off and collection accounts I have no knowledge of.

Correct all incorrect late payment histories immediately. 

Remove all unauthorized hard inquiries. 

Provide written confirmation of compliance. 

These inaccuracies have caused significant harm to my creditworthiness and violate FCRA standards for accuracy, verification, and proper investigation. 

Thank you for your immediate attention. 
I request a full investigation and prompt resolution.

Company response to consumer: Closed with non-monetary relief