Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against the credit reporting agencies and the following furnishers of information for reporting inaccurate and unauthorized information on my credit report. These items are damaging my creditworthiness, and despite my disputes, they remain uncorrected. 
Wrong Addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This address does not and has never belonged to me. Keeping it listed violates my rights under federal law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Another false address. Its presence damages the integrity of my report and must be deleted. 
Accounts with Wrong Payment History XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$37000.00} Reported : Late Payment * * I strongly dispute the reporting of late payments on this account. I have never missed payments with this creditor, and the derogatory status is incorrect. This misreporting severely impacts my creditworthiness and violates the requirement of accuracy under FCRA 1681e ( b ). 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Reported : Late Payment * * I dispute the late payment history. I consistently made payments on time, and this reporting is factually inaccurate. I demand correction to reflect a positive and accurate history. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Reported : Late Payment * * This is a wrongful late payment entry. I have no record of being late, and such negative reporting is false. I request full verification or immediate removal. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$38000.00} Reported : Late Payment * * The alleged late payment status is incorrect. I demand strict proof of any missed payments, otherwise this must be corrected to show my proper payment history. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported : Late Payment * * It is impossible and illogical for a {$0.00} balance account to have late payments reported. This is a serious reporting error and must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Reported : Charge Off * * I have no knowledge of this alleged charge-off. This entry is inaccurate and unverifiable. Unless you can provide concrete documentation with my signed contract and payment history, this account must be deleted. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reported : Charge Off * * This is not my account. I have no record, no contract, and no dealings with this creditor. This appears to be a case of mixed file or identity theft. It must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Reported : Charge Off * * I dispute this charge-off account. I have no knowledge of this debt and never authorized or signed any agreement related to this creditor. Without original documentation, this account is unverifiable and must be deleted. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Reported : Collection * * This alleged collection is not mine. I never received any notice or signed agreement related to this account. Reporting this without proof violates FCRA 609 and 611. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Reported : Collection * * This is a duplicate/false collection entry. It does not belong to me and is unverifiable. I demand immediate deletion. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Reported : Charge Off * * I have no knowledge of this account. I never signed or agreed to this debt. Without original documentation and proof of ownership, this charge-off is unverifiable and must be deleted. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} Reported : Charge Off * * I dispute this charge-off. I never authorized or signed for this account. This reporting is harmful and inaccurate. Strict proof must be provided, otherwise it must be deleted. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported : Charge Off * * It is impossible for a {$0.00} balance account to be reported as a charge-off. This is a clear violation of FCRA accuracy requirements. It must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$950.00} Reported : Collection * * I dispute this collection entirely. I have no knowledge of this account and never received validation. Without signed documentation, this is unverifiable and must be deleted. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported : Charge Off * * This reporting is false. A {$0.00} balance account can not logically be listed as a charge-off. This is an inaccuracy that must be corrected or deleted. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Reported : Charge Off * * I dispute this charge-off. I never authorized this account and have no record of owing this balance. Verification is required, or it must be removed. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported : Late Payment * * This is incorrect reporting. A {$0.00} balance can not carry late payments. This error must be deleted from my file. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Reported : Charge Off * * I dispute this charge-off in its entirety. I have no knowledge of this debt, and it is being reported in error. Without original evidence, it must be deleted. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} Reported : Collection * * I dispute this collection account in its entirety. I have no knowledge of this debt, and I never received any validation. Without original proof of contract, payment history, and legal ownership of this debt, it can not be reported. This must be deleted immediately if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Reported : Collection * * I dispute this account as well. I have no record of this debt and do not acknowledge owing it. This appears to be inaccurate or possibly a mixed file. I demand strict verification or permanent deletion. 
Unauthorized Inquiries XXXX  Date : XX/XX/XXXX Inquiry This is another unauthorized inquiry. I never gave permission for this creditor to access my credit report. It is an error and must be deleted right away. 
Requested Action I respectfully request that the CFPB : 1. Investigate these inaccurate and unauthorized items.

2. Require the credit bureaus and furnishers to provide full validation with proper documentation.

3. Delete any account or inquiry that can not be verified with original, signed, and legal evidence.

4. Ensure that my credit report is updated to reflect only accurate and authorized information.

Thank you for your time and assistance. I trust the CFPB will hold the responsible parties accountable and protect my rights under federal law.

Company response to consumer: Closed with non-monetary relief