Consumer complaint received 2025-11-01 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unverified, and misleading items being reported on my credit file by various furnishers and credit reporting agencies. These errors are severely affecting my creditworthiness and are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

1. Incorrect Personal Information My credit report lists the following wrong addresses that I have no association with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at or used these addresses in any form of application. Their presence on my file raises serious concerns about data integrity and potential identity misuse.

2. Inaccurate Account Reporting The following accounts are being reported inaccurately. 

Late Payment ( Inaccurate History ) XXXX  XXXX XXXX XXXX High Balance : {$12000.00} | Date Opened : XX/XX/XXXX This account is reporting a late payment, which is entirely false. I have never made any late payments on this account. I request immediate correction of this inaccurate payment history.

Charge-Off Accounts ( Unverified/Unknown Accounts ) I have no knowledge of the following accounts being mine. I have never authorized, opened, or maintained these accounts, nor have I received verification or documentation from any furnisher proving my liability : XXXX XXXXXXXX XXXX {$4600.00} | Opened XX/XX/XXXX XXXX XXXX {$3000.00} | Opened XX/XX/XXXX XXXX XXXX  XXXX {$8800.00} | Opened XX/XX/XXXX XXXX  XXXX {$20000.00} | Opened XX/XX/XXXX XXXX/XXXX  XXXX {$3800.00} | Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} | Opened XX/XX/XXXX XXXX  XXXX {$6400.00} | Opened XX/XX/XXXX XXXX XXXX {$930.00} | Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} | Opened XX/XX/XXXX XXXXXXXX XXXXXXXX {$1400.00} XXXX Opened XX/XX/XXXX XXXX  XXXX {$1500.00} | Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} | Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$4400.00} | Opened XX/XX/XXXXXXXX XXXX XXXXXXXX {$9600.00} | Opened XX/XX/XXXX XXXX  XXXX XXXX {$8400.00} | Opened XX/XX/XXXX XXXX XXXX {$6600.00} | Opened XX/XX/XXXXXXXX XXXX XXXXXXXX {$4300.00} | Opened XX/XX/XXXX XXXX XXXX XXXX {$550.00} | Opened XX/XX/XXXXXXXX XXXX XXXXXXXX {$2200.00} | Opened XX/XX/XXXX XXXX XXXX {$5700.00} | Opened XX/XX/XXXX XXXX XXXX XXXX {$32000.00} | Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$5500.00} | Opened XX/XX/XXXX XXXX XXXX {$23000.00} | Opened XX/XX/XXXX XXXX XXXXXXXX {$18000.00} | Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$47000.00} | Opened XX/XX/XXXX XXXX XXXX {$2700.00} | Opened XX/XX/XXXX Each of these accounts is reported as a charge-off, which implies default and is highly damaging to my credit profile. However, these furnishers have failed to provide any documented evidence of my authorization or contractual obligation. Therefore, they are unverified under FCRA 611 ( a ) ( 1 ) and must be deleted immediately from my credit report. 

Late Payment ( Inaccurate ) XXXX  XXXX {$470.00} | Opened XX/XX/XXXX This account is inaccurately reporting a late payment. I have never missed any payment on this account and request full correction of the payment history. 

3. Collection Accounts ( Unverified and Unknown ) The following collection accounts are completely unfamiliar to me and remain unverified by the furnishers : XXXX XXXX XXXX XXXX {$940.00} | Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} | Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$1400.00} | Opened XX/XX/XXXX I have no knowledge of any such debts being transferred, assigned, or collected under my name. These accounts should be immediately deleted for failure to provide validation under FCRA 623 ( a ) and FDCPA 809 ( b ).

4. Unauthorized Inquiries Additionally, the following inquiries appear without my authorization or permissible purpose : XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX I demand these inquiries be removed immediately for violation of FCRA 604 ( a ).

Requested Action I respectfully request the CFPB to : Conduct a full investigation into the furnishers and credit reporting agencies involved.

Require the deletion or correction of all inaccurate, unverifiable, or unauthorized information listed above.

Ensure all furnishers provide documented proof of verification before reinsertion of any disputed data.

Hold furnishers and credit bureaus accountable for repeated violations of FCRA reporting accuracy and verification standards.

Conclusion These ongoing inaccuracies are causing severe and unfair harm to my credit reputation, ability to obtain housing, and financial opportunities. I have made multiple efforts to dispute these accounts directly, but the furnishers have failed to comply with FCRA-mandated verification standards.

I request your immediate assistance to ensure my credit report reflects only accurate, verified, and lawfully reportable information.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief