Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I am submitting this complaint against Equifax because my credit file contains multiple inaccurate, incomplete, and unverifiable items that violate my rights under the Fair Credit Reporting Act. These errors include false addresses, unverifiable collections, misleading late payments, unlawful charge-offs, and unauthorized inquiries. Despite my disputes, Equifax has failed to properly reinvestigate or correct these accounts, and their continued reporting has caused me serious financial and reputational harm. 

My file has been incorrectly linked to the address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which has no connection to me and creates a false and misleading consumer profile. Along with this false address, multiple accounts have been reported inaccurately. XXXX account number XXXX * * * * opened XX/XX/XXXX with a balance of {$920.00} is listed with late payments that are not substantiated. XXXX XXXX account number XXXX * * * * opened XX/XX/XXXX with a balance of {$0.00} is still being reported with late payments, which is misleading since no balance exists. XXXX XXXXXXXX * * * * opened XX/XX/XXXX with a balance of {$870.00} is shown as a collection without validation, and XXXX XXXX XXXX account XXXX XXXX * * * * opened XX/XX/XXXX with a balance of {$3000.00} is also reported as a collection without verifiable documentation. XXXX XXXX account number XXXX * * opened XX/XX/XXXX with a balance of {$100.00} appears on my report as a collection without proof. 

Equifax is also reporting multiple accounts from XXXX XXXX XXXX that are duplicative and misleading. XXXX XXXX XXXX account number XXXX * * * * opened XX/XX/XXXX with a balance of {$880.00} and XXXX XXXX XXXX account number XXXX * * * * opened XX/XX/XXXX with a balance of {$1500.00} are both listed as collections, creating an inflated and damaging portrayal of my credit. XXXXXXXX XXXX account number XXXX * * * * opened XX/XX/XXXX with a balance of {$1900.00} is reported as a charge-off, while XXXX account number XXXX * * * * opened XX/XX/XXXX with a balance of {$1600.00} is also reported as a charge-off, both without proper validation. XXXX XXXXXXXX * * * * opened XX/XX/XXXX with a balance of {$570.00} is another unverified collection, XXXX XXXXXXXX account number XXXX * * * * opened XX/XX/XXXX with a balance of {$1000.00} is reported as a charge-off without substantiation, and XXXX account number XXXX XXXX * * * opened XX/XX/XXXX with a balance of {$190.00} is also reported as a charge-off without proof. XXXX XXXXXXXX * * * * opened XX/XX/XXXX with a balance of {$680.00} is inaccurately reported as a collection, while XXXX XXXX account number XXXX * * * * opened XX/XX/XXXX with a balance of {$76.00} is reported with late payments that are false. 

In addition to these inaccurate accounts, Equifax is also reporting unauthorized inquiries that were made without my consent or permissible purpose. These include XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Such inquiries represent unlawful access to my credit file and further demonstrate XXXX failure to comply with federal law. 

The combination of a false address, multiple unverifiable collections, improper late payments, unlawful charge-offs, and unauthorized inquiries shows a clear violation of the FCRAs requirement to ensure maximum possible accuracy. These errors have significantly harmed me by lowering my credit score, damaging my reputation, and restricting my ability to obtain credit. I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and hold Equifax accountable for these repeated violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief