Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I am submitting this complaint because my consumer credit report contains several inaccurate and unverified items that are causing serious harm to my credit standing. Despite my good faith efforts to dispute these inaccuracies with the credit reporting agencies and furnishers, these errors remain unresolved. I am requesting a full investigation into these violations under the Fair Credit Reporting Act ( FCRA ) and immediate correction of all inaccurate data. 

1. Wrong Addresses Reported The following addresses appear on my credit report but have no connection to me whatsoever : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX I have never resided at, used, or been associated with these addresses. Their presence suggests serious reporting errors or possible identity misuse. These addresses should be removed immediately from all credit bureau records.

2. Unverified Charge-Off Accounts The following charge-off accounts are being reported even though I have no knowledge or record of ever opening or authorizing them : XXXX XXXXXXXX XXXX High Balance : {$720.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX High Balance : {$550.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX High Balance : {$1300.00}, Date Opened : XX/XX/XXXX I have no contractual relationship with these companies, and no verifiable documentation has ever been provided to prove their legitimacy. These accounts must be deleted immediately as unverified and inaccurate. 

3. Unverified Collection Accounts The following collection accounts are also being reported without any proof of ownership, contract, or validation of debt XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}, Opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$3200.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  {$610.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  {$400.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  {$68.00}, Opened XX/XX/XXXX I have no knowledge of these debts and have never received any validation letters from the collectors as required under 15 U.S.C. 1692g of the FDCPA ( Fair Debt Collection Practices Act ). These entries are unverified, misleading, and damaging to my credit profile. 

4. Improper Inquiries The following recent inquiries were made without my authorization or permissible purpose : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681b ( f ) of the FCRA, a consumer reporting agency may furnish a report only for a permissible purpose. These inquiries were made without my consent and therefore must be removed immediately. 

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

Require removal of all inaccurate addresses, charge-off accounts, collection accounts, and unauthorized inquiries. 

Ensure all furnishers provide documented proof of debt ownership and authorization, or otherwise delete the data. 

Enforce penalties for any entity that continues to report unverifiable or inaccurate information in violation of the FCRA and FDCPA. 

These inaccuracies have caused significant damage to my credit score, hindered my ability to obtain credit, and created emotional distress. I am requesting immediate action and written confirmation of all corrective measures. 

Thank you for your attention and swift resolution of this matter.

Company response to consumer: Closed with non-monetary relief