Consumer complaint received 2025-12-08 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 submitting this formal complaint regarding multiple inaccurate, unverified, and harmful entries being reported on my credit files by various furnishers and credit reporting agencies. These items are causing significant damage to my credit standing and must be investigated immediately under the Fair Credit Reporting Act ( FCRA ), including but not limited to 602, 607 ( b ), 611, and 623. 

XXXX. Wrong / Fraudulent Addresses Reported ( Not Mine ) The following addresses appearing on my credit report are completely inaccurate, do not belong to me, and I have never lived at or been associated with these locations : XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Wrong Address These addresses indicate potential file-mixing, identity issues, or reporting errors. I request immediate removal for failure to match my personal identifying information. 

XXXX. Late Payments Reported I Have Never Been Late The following tradelines are reporting late payments, which are 100 % incorrect. I have never made a late payment to these creditors, and the payment history must be corrected immediately as required under FCRA 623 : XXXX BANK XXXX XXXX XXXX Date : XX/XX/XXXX | High Balance : {$3000.00} Inaccurate Late Payment ( History is Wrong ) XXXX  XXXX Open Date : XX/XX/XXXX | High Balance : {$1000.00} Inaccurate Late Payment XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$340000.00} Inaccurate Late Payment PRIMARY RESIDENTIAL XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$340000.00} Inaccurate Late Payment XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$0.00} Inaccurate Late Payment These furnishers must provide complete payment records, or the late payment data must be corrected or deleted. 

XXXX. Charge-Off / Collection Accounts I Have No Knowledge of These Accounts The following accounts were reported as charge-offs or collections, but I have no knowledge, have never opened these accounts, and dispute their accuracy and ownership : XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$1100.00} Charge-Off ( Not My Account ; No Knowledge ) XXXX XXXX XXXX  XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX : {$2400.00} Charge-Off ( Not My Account ; No Knowledge ) XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$2000.00} Charge-Off ( Not My Account ; No Knowledge ) XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | High Balance : {$480.00} Collection ( Not My Account ; No Knowledge ) Under FCRA 623 ( a ) ( 3 ) and 611, these furnishers must provide documentation showing I opened or authorized these accounts. If no proof exists, these accounts must be deleted entirely. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Disposition Date : XX/XX/XXXX I dispute the accuracy and manner of reporting for this XXXX. The credit bureaus must verify the source, correctness, and legal reporting of this information. Public records must not be reported unless they can be independently verified. 

Requested Action Under FCRA requirements, I request the CFPB to : Investigate each furnisher for inaccurate and unverifiable reporting. 

Require furnishers to provide full documentation proving account ownership and payment history. 

Delete all inaccurate addresses from my report. 

Correct all false late payments immediately. 

Delete all charge-off and collection accounts that can not be verified with proper evidence. 

Ensure all reporting complies with FCRA accuracy, completeness, and verification standards. 

These errors are materially damaging my creditworthiness, ability to secure housing, employment, and financial stability. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief