Consumer complaint received 2025-07-25 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 filing this formal complaint against the credit reporting agencies ( Equifax, Experian, and TransUnion ) and the following data furnishers for reporting inaccurate, unverifiable, and fraudulent information on my credit report. These errors have significantly damaged my credit standing and caused me emotional, financial, and reputational harm. 
WRONG ADDRESSES XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX, FL XXXX Issue : This is not my current or past residential address. I have never lived at this address.

Law : Under FCRA 15 U.S. Code 1681e ( b ), credit reporting agencies must maintain accurate and up-to-date information.

Story : This address is harming my credit by connecting me with accounts and activities I have no relation to. I believe this address may have been used fraudulently or reported due to a clerical error. 
CHARGE-OFF ACCOUNTS XXXX  | Account # XXXX Date Opened : XX/XX/XXXX | High Credit : {$27000.00} | Status : Charge Off Issue : This account is not mine. I have never signed or co-signed any contract with XXXX. 
Law : Under FCRA 1681i and 1681b, unverified or inaccurately reported accounts must be deleted if not proven with valid documentation.

Story : I believe this account may have been fraudulently opened or assigned to me in error. This large balance and charge-off are damaging my ability to secure employment and housing. I am being held responsible for something I never authorized. 
XXXX | Account # XXXX * * Date Opened : XX/XX/XXXX | High Credit : {$1900.00} | Status : Charge Off * * Issue : I have never opened any account with XXXX at this address or in this timeframe.

Law : Under FCRA 1681s-2, a data furnisher must report accurate, verifiable information.

Story : This may be a result of identity theft. I have never received a bill, statement, or device from XXXX. Yet, Im being penalized on my report for a debt I never incurred. 
UNAUTHORIZED OR EXCESSIVE HARD INQUIRIES Issue : The following inquiries were made without my knowledge, consent, or any permissible purpose as defined by FCRA 1681b.

Law : According to FCRA 1681b ( c ), hard inquiries are only allowed when initiated by the consumer or in connection with a firm offer of credit initiated by the consumer. 
Story : I never applied for this many auto loans or credit products in such a short span of time. These inquiries appear to have been generated due to predatory sales tactics or misuse of my personal information. 
Hard Inquiries to be Removed : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Each of these inquiries has damaged my credit score without my consent. I request that each be fully investigated and removed if not backed by documented consumer-initiated applications, which I did not authorize. The clustering of auto loan inquiries suggests dealer manipulation or credit abuse.

Requested Relief : 1. Immediate and permanent removal of the two incorrect addresses from all credit bureaus.

2. Deletion of the fraudulent charge-off accounts by XXXX and XXXX. 
XXXX. Removal of all unauthorized inquiries listed above. 
XXXX. A full investigation by CFPB into the credit bureaus and furnishers ' failure to comply with the FCRA. 
XXXX. Compensation for the harm caused by false reporting, including emotional distress and damage to my credit standing.

Company response to consumer: Closed with non-monetary relief