Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccuracies and unverifiable information appearing on my credit reports with the major credit bureaus. These inaccuracies are severely affecting my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ). 

XXXX. Wrong Address Reporting : XXXX XXXX, XXXX, XXXX  XXXX This address is incorrect and does not belong to me. I have no association or residency connection with this address, and its presence on my report is a violation of accurate reporting requirements under the FCRA. 

XXXX. Charge-Off and Collection Accounts ( Unrecognized Accounts ) : The following accounts are being reported as charge-offs or collections. I have no knowledge of or association with these accounts, and they appear to be inaccurately or fraudulently reported : XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Charge Off XXXX  XXXX XXXXXXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$15000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX * * High Balance : {$5600.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX * High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge Off Collection XXXX * * High Balance : {$630.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX * * High Balance : {$230.00} Date Opened : XX/XX/XXXX Collection These accounts are completely unfamiliar to me, and I have never opened, authorized, or maintained any such accounts. Reporting such unverifiable and false information constitutes noncompliance with FCRA Sections 602 and 623, which require data furnishers to report accurate and verifiable information. 

I demand these accounts be immediately investigated and deleted from my credit reports, as they can not be verified with my consent, signature, or any legally binding documentation. 

XXXX. Inaccurate Late Payment Reporting ( Wrong Account History ) : The following accounts are being reported with late payments. I have never made a late payment on these accounts, and the reported history is factually incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX * * High Balance : {$120.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment Under FCRA Section 611, I have the right to dispute inaccurate information and to expect a full investigation by both the furnisher and the credit bureau. These late payment reports are false and must be corrected immediately to reflect an accurate payment history. 

XXXX. Excessive and Questionable Hard Inquiries : The following inquiries were made without my authorization or legitimate business purpose : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I never authorized these credit inquiries. Unauthorized inquiries negatively affect my credit score and violate my rights under FCRA Section 604. I request an investigation and removal of all unauthorized hard inquiries. 

Requested Action : Delete all unverified and fraudulent charge-off and collection accounts. 

Correct all inaccurate late payment history and ensure they reflect on-time payments. 

Remove all unauthorized inquiries listed above. 

Remove the incorrect address from my file. 

Provide written confirmation of all corrections and deletions. 

I am requesting CFPBs assistance to ensure compliance by all credit reporting agencies and data furnishers. I have exercised my right to dispute this information directly, and I now seek the Bureaus oversight to ensure a complete and lawful resolution. 

Thank you for your attention to this matter. I expect a prompt and fair investigation under the FCRA guidelines.

Company response to consumer: Closed with non-monetary relief