Consumer complaint received 2025-12-18 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: PA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate, unverifiable, and improperly reported items appearing on my consumer credit report. Despite prior disputes, these items continue to be reported without proper investigation, documentation, or compliance with federal consumer protection laws. These inaccuracies are causing ongoing financial and reputational harm. 

Address : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX I have no knowledge of this address and have never resided at or used it in any capacity. 
FCRA Violations : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to properly reinvestigate disputed information Immediate deletion of this incorrect address from my Equifax credit file. 

XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Late Payment I dispute the accuracy and completeness of the late payment history. Reporting adverse information on a zero-balance account is misleading and raises serious accuracy concerns. 
FCRA Violations : 15 U.S.C. 1681e ( b ) Inaccurate and misleading reporting 15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnisher duty to report accurate information 15 U.S.C. 1681i ( a ) ( 2 ) Failure to conduct a reasonable reinvestigation Correct and update the late payment history to reflect only verified and accurate information. 

XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$3800.00} | Reported Late Payment I dispute the timing, status, and accuracy of the reported late payments. This information has not been properly verified. 
FCRA Violations : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to properly reinvestigate 15 U.S.C. 1681s-2 ( b ) Failure of furnisher to investigate disputed data Immediate correction or update of any inaccurate late payment reporting. 

XXXX / XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$8700.00} | Reported Late Payment I dispute the accuracy and completeness of this late payment reporting. The information appears inconsistent and not adequately verified. 
FCRA Violations : 15 U.S.C. 1681e ( b ) Inaccurate reporting 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnishers duty after notice of dispute Correct and update all inaccurate late payment entries associated with this account. 

XXXX XXXX Date : XX/XX/XXXX I have no knowledge of or authorization for this inquiry. Equifax has not demonstrated any valid permissible purpose for accessing my credit file. 
FCRA Violations : 15 U.S.C. 1681b No permissible purpose 15 U.S.C. 1681e ( b ) Failure to ensure accuracy of inquiry data This inquiry must be deleted immediately from my Equifax credit report.

The continued reporting of inaccurate and unauthorized information violates the Fair Credit Reporting Act. I request immediate correction of inaccurate late payment reporting and deletion of unauthorized inquiries and incorrect personal information.

Company response to consumer: Closed with non-monetary relief