Consumer complaint received 2025-08-14 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:
I am submitting this complaint to formally dispute and demand immediate correction of multiple inaccurate, incomplete, and unverifiable items being reported on my consumer credit files by various furnishers and credit reporting agencies. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and the Fair and Accurate Credit Transactions Act ( FACTA ). The inaccurate reporting of these accounts has caused significant harm to my creditworthiness, emotional distress, and financial well-being, including denial of credit opportunities, higher interest rates, and damage to my reputation. The furnishers and credit reporting agencies have failed to follow reasonable procedures to assure maximum possible accuracy as required under FCRA 1681e ( b ) and have failed to conduct a proper reinvestigation as mandated under FCRA 1681i. Below are the disputed items with the associated violations and the detailed story explaining the harm and noncompliance by each furnisher. 
Address : XXXX XXXX XXXX, XXXX, GA, XXXX Issue : This address is inaccurately listed on my credit file. 
Law : Under FCRA Section 607 ( b ), consumer reporting agencies must assure maximum possible accuracy of information.

Story : I have never lived at this address, nor have I used it for any credit application, account registration, or correspondence. The inclusion of this address creates a false impression of my residential history, which could result in wrongful assumptions about my identity or financial obligations. This inaccuracy must be removed immediately to maintain the integrity of my credit file. 
Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX Issue : This address is not associated with me in any legitimate way. 
Law : FCRA Section 611 requires that unverifiable and inaccurate personal information be removed upon dispute.

Story : I have never resided at or been connected to this address. Its presence in my file is misleading and may create confusion during identity verification or credit review processes. It is imperative that this address be deleted from my report to prevent further harm to my credit standing. 
Account : XXXX XXXX BANK, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$550.00}, Status : Chargeoff Issue : The balance and chargeoff status are inaccurate and disputed.

Law : The FCRA, Section 607 ( b ), mandates the highest level of accuracy for all reported items.

Story : I dispute the validity of the alleged debt, the amount, and the reported chargeoff status. The furnisher has not provided any documented proof that this account is accurate or legally enforceable. Without verified and substantiated evidence, Equifax must remove or correct this entry. 
Account : XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$170.00}, Status : Chargeoff Issue : The reporting of a chargeoff is inaccurate and harmful. 
Law : Under FCRA Section 611 ( a ), unverifiable information must be deleted following a reinvestigation.

Story : I dispute the accuracy of this accounts reporting. No proof has been provided to confirm that the account was legitimately charged off or that the reported balance is correct. Its continued reporting without verifiable evidence violates my rights. 
Account : XXXX XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$60.00}, Status : Chargeoff Issue : The account is inaccurately reported as charged off. 
Law : Section 607 ( b ) of the FCRA requires accuracy in reporting at all times.

Story : This accounts current status is being misrepresented. I dispute both the balance and the derogatory status. Unless the furnisher can provide authenticated documentation proving its accuracy, Equifax must delete this record from my file. 
Account : XXXX XXXX BANK XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Late Payment Issue : The late payment notation is inaccurate.

Law : The FCRA requires that negative reporting be fully substantiated or removed.

Story : This account is showing a history of late payments without verifiable proof. I request that Equifax confirm its validity with proper documentation from the furnisher or delete the entry entirely. 
Account : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$2100.00}, Status : Collection Issue : The collection status and reported balance are disputed.

Law : Under the FCRA, unverifiable collection accounts must be removed from consumer credit files. 
Story : I have not received proper debt validation from the collection agency or XXXX to confirm the legitimacy of this debt. Without such evidence, continued reporting is both inaccurate and unlawful. 
Account : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$240.00}, Status : Collection Issue : The collection entry is inaccurate and unverifiable. 
Law : FCRA Section 607 ( b ) prohibits reporting unverified derogatory accounts.

Story : There is no substantiated evidence that this account is valid, owed by me, or collectible. Without proof, its presence is a violation of federal law and must be removed. 
Inquiry : XXXX XX/XX/XXXX Issue : This inquiry is unauthorized and has no permissible purpose. 
Law : The FCRA restricts reporting of inquiries without consumer consent or a legitimate business need. 
Story : I did not authorize this company to access my credit file. The inquiry is unrelated to any application or transaction I initiated. It should be removed from my credit report immediately. 
I am demanding that the CFPB investigate these accounts, require the furnishers and credit reporting agencies to provide complete, documented proof of the validity and accuracy of each account or permanently delete them from my credit reports. The continued reporting of these unverifiable and inaccurate items is in willful noncompliance with federal law, and I request enforcement actions and corrective measures to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief