Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
I am filing this complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My consumer report is currently reflecting inaccurate and misleading information that is damaging my creditworthiness and reputation. I have previously attempted to resolve these issues directly with the credit bureaus, but the items remain uncorrected. The details of my dispute are listed below in full transparency for your review and immediate reinvestigation. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX Never lived here. Reporting this address violates FCRA 607 ( b ). Remove immediately. 
This false address connects me to data not belonging to me. Continued reporting shows lack of proper verification. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This address is not mine. No lease or proof exists. Violates 611 ( a ).

Keeping unverifiable personal data is misleading and unlawful. Delete this address from all systems. 

XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Late Payment XXXX XXXX False late payment on a closed account. Violates 607 ( b ) and FDCPA 807. 
No billing records or validation provided. This inaccurate data harms my creditworthiness. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$0.00} Late Payment XXXX XXXX Obsolete account over XXXX years old. Violates 605 ( a ) ( 5 ). 
You can not legally report expired accounts. Delete this item permanently. 

XXXX XXXX XXXX XXXX  Duplicate Opened XX/XX/XXXX {$0.00} Late Payment XXXX XXXX Duplicate entry. Violates 607 ( b ). Remove to prevent score damage.

Reinserting duplicates is deceptive and must be stopped immediately. 

XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$0.00} Charge Off XXXX XXXX  Shows {$0.00} balance but marked charge-off. Violates 623 ( a ) ( 1 ) ( A ). 
No evidence of charge-off exists. Reporting this is false and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$0.00} Late Payment XXXX XXXX Outdated, unverifiable debt reinserted. Violates 611 ( a ) ( 5 ). 
Re-aged data can not legally reappear. Delete this account now. 

XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$28000.00} Late Payment XXXX XXXX No proof of delinquency provided. Violates 623 ( a ) ( 1 ) ( A ).

Furnisher failed to validate records. Reporting without proof is unlawful. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. No consent. Violates 604 ( a ) ( 2 ).

This pull was done without any permissible purpose. Must be removed immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX No application or consent given. Violates XXXX. Delete. 
Unauthorized access of my report is a privacy breach and must be removed. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized access. Violates XXXX. Remove immediately. 
No authorization or application exists. Delete this inquiry at once. 

Each of these violations reflects a pattern of negligence and noncompliance with federal consumer protection laws. I am requesting that the CFPB conduct a full investigation into these matters and ensure that the credit reporting agencies and furnishers immediately correct or delete all inaccurate, outdated, and unverifiable information listed above. I also request confirmation that these corrections have been made and that all parties involved are held accountable for their violations of my rights under FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief