Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am submitting this complaint because multiple items appearing on my credit report are inaccurate, not mine, and have been reported without verification. These errors violate my rights under the FCRA and continue to harm my credit profile. I am requesting immediate investigation, correction, or deletion as required by federal law. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address is not mine and has never belonged to me. Reporting an address that does not belong to me violates the accuracy standards of 15 U.S.C. 1681e ( b ) and the reinvestigation requirements under 15 U.S.C. 1681i. I am demanding deletion of this incorrect address. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} I have no knowledge of this account and have never authorized or opened it. Under 15 U.S.C. 1681e ( b ) and 1681i, you must maintain maximum accuracy and reinvestigate unverifiable data. Under 15 U.S.C. 1681b, furnishers must have permissible purpose, which they do not have for an account I never opened. I am requesting immediate deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} I have no knowledge of this account, never opened it, and never authorized any credit transaction. Reporting this account violates 15 U.S.C. 1681e ( b ) for lack of accuracy, 1681i for failure to verify, and 1681b for lack of permissible purpose. This account must be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$770.00} I have no knowledge of this account. XXXX has no permissible purpose under 15 U.S.C. 1681b to furnish or obtain my information. Reporting this inaccurate, unverifiable account violates 1681e ( b ) and 1681i. I request deletion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} I have no knowledge of this account. It is inaccurately reported, unverifiable, and violates 15 U.S.C. 1681e ( b ), 1681i, and 1681b. This account must be deleted. 

XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance : {$170.00} This collection is not mine, I never authorized it, and I owe no such debt. Collectors must comply with 15 U.S.C. 1681s-2 and may not report unverifiable information. The continued reporting of this collection violates 1681e ( b ) and 1681i. I request full deletion. 

INQUIRIES XXXX XX/XX/XXXX This inquiry is unauthorized. Under 15 U.S.C. 1681b, no entity may access my credit file without permissible purpose. Delete immediately. 

XXXX XX/XX/XXXX This inquiry was not authorized by me. It violates 15 U.S.C. 1681b. Remove this inquiry. 

XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. You must remove it under 15 U.S.C. 1681b because there was no permissible purpose. 

XXXX XXXX  XX/XX/XXXX This inquiry is unauthorized and violates 15 U.S.C. 1681b. Please remove it. 

I request immediate investigation and removal of all items that can not be verified with original-source documentation. These inaccuracies violate my rights and continue to cause ongoing harm.

Company response to consumer: Closed with non-monetary relief