Consumer complaint received 2025-11-14 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:
I am filing this formal complaint regarding multiple inaccurate, unverifiable, and harmful items being reported by the credit reporting agencies and various furnishers in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 602 ( A ), 604, 607 ( B ), 609, 611, and 623.

These items are causing financial harm and appear to be the result of negligent reporting practices, failure to maintain reasonable procedures, and the furnishing of information that can not be verified or authenticated.

1. WRONG / FRAUDULENT ADDRESS REPORTING The following address is NOT mine, and I demand an investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address The CRAs have failed to maintain maximum possible accuracy as required under FCRA 607 ( b ).

I request removal of this wrong address immediately. 

2. ACCOUNTS I HAVE NO KNOWLEDGE OF ( Per your instructions : Charge-off & Collection accounts No knowledge, request deletion ) These accounts are NOT mine, I have no knowledge of them, and they appear to be mixed-file errors, identity errors, or unverified records : XXXX XXXX Charge Off {$200.00} Opened XXXX XXXX XXXX XXXXXXXX Charge Off {$2000.00} Opened XX/XX/XXXXXXXX XXXX XXXX  Charge Off {$610.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX Charge Off {$2400.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Charge Off {$6700.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Charge Off {$3500.00} Opened XX/XX/XXXXXXXX XXXX Charge Off {$3500.00} Opened XX/XX/XXXX XXXX XXXX XXXX Charge Off {$40000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Collection {$550.00} Opened XX/XX/XXXX XXXX XXXX XXXX Collection {$310.00} Opened XX/XX/XXXX XXXX XXXX XXXX Collection {$2100.00} Opened XX/XX/XXXX Under FCRA 609 ( a ), I requested verification and validation, yet the furnishers failed to provide ANY original signed contract, proof of ownership, application, or admissible evidence that I am responsible for these accounts.

Because these accounts can not be verified, they must be deleted immediately under : FCRA 611 ( a ) ( 5 ) ( A ) Unverified MUST be deleted FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they can not verify FTC Opinion Letters ( Gowen, Clark, LeFevre ) Creditors must maintain evidence of accuracy I request full deletion of all accounts I do not recognize.

3. LATE PAYMENT ACCOUNT REPORTING FALSE INFORMATION ( Per your instructions : Never made a late payment Request correction ) The following account is reporting a false late payment, and I demand correction : XXXX XXXX XXXX Late Payment Opened XX/XX/XXXX I have NEVER made a late payment to this creditor.

This violates : FCRA 607 ( b ) Maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( B ) Furnishers must not report inaccurate information FCRA 611 Failure to correct known inaccuracies I demand immediate removal of all late payment notations and correction of the account to reflect perfect payment history.

FORMAL REQUEST FOR ACTION I request the CFPB to : Launch a full investigation into the CRAs and furnishers listed.

Order the deletion of all unverified, unknown charge-off and collection accounts.

Require correction of the inaccurate late payment.

Require deletion of the wrong address.

Hold furnishers accountable for failure to verify records and continued reporting of false data.

These errors have damaged my creditworthiness, restricted my financial opportunities, and caused significant emotional and economic harm.

Please provide me with a written response confirming your investigation and corrective actions.

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief