Consumer complaint received 2025-11-05 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:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the credit reporting agencies and the creditors listed below for reporting false, misleading, and unverifiable information on my credit report. These actions have caused significant and ongoing harm to my credit reputation, emotional well-being, and financial stability. Despite my prior attempts to dispute these inaccuracies directly with the credit bureaus, the items have not been corrected or properly investigated in compliance with the Fair Credit Reporting Act ( FCRA ). 
Below are the specific accounts and issues I am disputing : WRONG ADDRESSES REPORTED : XXXX XXXX XXXX NJ XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX NJ XXXX Wrong Address These addresses are completely incorrect and have never been associated with me. I have no rental, ownership, or mailing connection with any of these locations. The presence of such inaccurate addresses raises serious privacy and identity concerns. Please remove these addresses immediately from my credit file under FCRA 604 and 607 ( b ), as they represent false identification data. 
ACCOUNT DISPUTES : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment It is illogical and inaccurate to show a late payment on a {$0.00} balance account. This clearly indicates reporting errors. I request immediate correction or deletion if proper documentation of late payment can not be provided. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$320.00} | Late Payment I have never received any delinquency notice from this creditor. This entry appears to be either a system reporting mistake or misattributed to my profile. Please validate with the original creditor and remove any inaccurate information per FCRA 609 ( A ) ( 1 ). 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$6100.00} | Late Payment I have consistently maintained timely payments with XXXX XXXX XXXX XXXX. The late payment entries are false, and no legitimate proof can justify such reporting. I request full deletion of any inaccurate payment status immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$290.00} | Late Payment This late payment report is incorrect. I was never delinquent on this account. Please investigate thoroughly and update the record to reflect timely payments. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off I have no knowledge of this alleged charge-off account. I have never been notified or billed for this debt, and I demand validation from the original creditor. If verification can not be provided, this account must be deleted under FCRA 611 ( a ) ( 5 ) ( A ) for unverifiable data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$440.00} | Charge Off I dispute this entry in its entirety as I have no recollection or contractual agreement with this creditor. This appears to be a case of mistaken identity or mixed credit file. Remove this account immediately as it is inaccurate and unverifiable. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$5800.00} | Late Payment This late payment status is false. I have maintained on-time payments consistently. Please conduct a reinvestigation and correct the account history to reflect accurate payment behavior. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off This account is reporting as charged off, but I have never received any notice or document indicating delinquency or charge-off status. Additionally, the balance owed is {$0.00}, which directly contradicts the claim of a charge-off. This reporting is inaccurate and must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ) for unverifiable data. 
XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$630.00} | Late Payment This late payment claim is false. I have never missed or delayed any payment for this account. There is no proof of delinquency, and no written notice was provided to me. I demand correction of the payment history or removal of the account if validation can not be provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off It is impossible for a {$0.00} balance account to be charged off. This error shows carelessness in reporting and violates the FCRAs requirement for maximum accuracy under 607 ( B ). Please delete this inaccurate account from my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$2800.00} | Late Payment I have maintained timely payments with XXXX XXXX XXXX XXXX and have never been notified of any late payment. This report is incorrect and defamatory. I request a full reinvestigation and prompt correction of this entry. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$600.00} | Late Payment I dispute the late payment reporting entirely. I have no knowledge of ever being late or receiving any delinquency notice for this account. Please verify with the original creditor and remove any unverified or false information per FCRA 611 ( A ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment This account is listed as having late payments despite a {$0.00} balance. This is clearly an error. No late payments were made, and no delinquency notice was received. I request that this entry be corrected or deleted from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$14000.00} | Collection * * I have no knowledge or recollection of this account. I never received any billing statements, collection notices, or validation of debt from this creditor. Under FCRA 611 ( a ) ( 1 ), you are required to verify the accuracy of this information. If no original documentation is provided, this account must be deleted immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$1300.00} | Collection * * This account is being falsely reported as a collection. I have never had any direct relationship or agreement with XXXX XXXX XXXX. They may have purchased a debt without my consent or proper validation. I dispute this entire entry and demand its removal unless full documentation is provided per FCRA 609 ( a ) ( 1 ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$1800.00} | Collection * * This is another inaccurate and unverifiable collection entry. I never received any communication or validation of this debt. Without proof of ownership and validation from the original creditor, this record must be deleted immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1300.00} | Collection * * This appears to be a duplicate entry of the same XXXX Funding account listed above. Duplicate reporting is prohibited and creates unfair damage to my credit profile. I demand immediate removal of this duplicate record under FCRA 607 ( B ) for failure to maintain maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$610.00} | Late Payment * * This late payment entry is completely inaccurate. I have never received a notice or document stating I was late on this account. Please verify the payment history with the original creditor and correct or delete this false information immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$5600.00} | Charge Off * * I dispute this entry in its entirety. I have no record or contractual relationship with XXXX XXXX. This charge-off is false and unverified. I demand that this account be removed for noncompliance with the verification requirements of FCRA 611 ( A ). 
UNAUTHORIZED OR EXCESSIVE CREDIT INQUIRIES : The following inquiries were made without my knowledge, authorization, or consent. I never applied for credit with these companies at the times listed, and I have no relationship with many of these institutions. Under FCRA 604 ( a ) ( 3 ), an inquiry may only occur when a consumer has initiated a credit transaction. These inquiries violate that law and must be removed immediately. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these inquiries negatively impacts my credit score and constitutes an invasion of my privacy. If you can not produce signed applications or authorization forms proving that I personally initiated these inquiries, they must be deleted immediately. 
REQUEST FOR CFPB INTERVENTION I have already attempted to dispute these items with the major credit bureaus, but the investigations were incomplete and failed to correct or remove the false information. These actions constitute noncompliance with FCRA 611 ( A ) and 607 ( B ), as the bureaus are required to ensure maximum possible accuracy and to delete unverifiable data. 
I am requesting that the Consumer Financial Protection Bureau investigate these violations and compel the credit bureaus and creditors to : 1. Delete all unverifiable and inaccurate accounts and inquiries listed above. 
2. Provide documentation proving verification or authorization where applicable. 
3. Ensure my credit report is corrected and updated with accurate information. 
These inaccurate and unauthorized entries have caused me substantial emotional distress, loss of credit opportunities, and reputational harm. I expect a prompt investigation and appropriate enforcement action against all parties involved in this negligence and noncompliance.

Company response to consumer: Closed with non-monetary relief