Consumer complaint received 2025-11-01 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: IN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the credit bureaus and the furnishers listed below for reporting false and damaging information on my credit profile. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have provided complete details for each item below for your review and immediate correction. 

Address : XXXX XXXX XXXX, OH XXXX This address is not, and has never been, associated with me. Reporting it as part of my file violates FCRA 607 ( b ) because you failed to ensure maximum accuracy, and FCRA 611 ( a ) ( 5 ) since it remains after a previous dispute. The inclusion of this false address creates confusion and may link me to accounts or activities that are not mine. 

Address : XXXX XXXX XXXX XXXX, OH XXXX This address is also inaccurate and should have been removed after my previous dispute. Maintaining false identifying

information violates FCRA 607 ( b ) and 611 ( a ), and continuing to report unverifiable data without evidence constitutes negligent noncompliance under FCRA 616.

XXXXXXXX XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX This account is being reported with false delinquencies. No verification or supporting payment record was provided after my last dispute. Continuing to report unverifiable data violates FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), which prohibit furnishers from reporting information they know or should know is inaccurate. 

XXXX XXXX XXXX * High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX This listing appears duplicated and unverified. I never received proof of these alleged late payments, which is required under FCRA 611 ( a ) ( 1 ) ( A ). Failing to validate and continuing to report this is unlawful under 607 ( b ). 

DEPTEDXXXX XXXX XXXX XXXX  High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  The repeated reporting of inaccurate late payments on this account is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ). Since no original payment documentation or validation has been supplied, it must be removed. 

DEPTEDXXXX XXXX XXXX  XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX This is another duplicate account carrying unverifiable delinquency data. Continuing to report without proper reinvestigation or documentation violates FCRA XXXX ( a ) and shows willful noncompliance. 

XXXXXXXX XXXX XXXX XXXX  High Balance : {$4500.00} Date Opened : XX/XX/XXXX Charge Off * * This charge-off remains unsubstantiated. No record of default, billing history, or charge-off statement was provided. Reporting a charge-off without proof violates FCRA 609 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ) since the information can not be verified as accurate. 

XXXX XXXX XXXX * High Balance : {$4000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX  This account is inconsistent across bureaus and unverifiable. Continuing to report a false charge-off after dispute violates FCRA 611 ( a ) ( 5 ) ( A ) and 607 ( b ), requiring deletion of unverifiable data. 

DEPTEDXXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  The data reported for this account is incomplete and conflicting, violating FCRA 607 ( b ). The furnisher has failed to provide adequate verification or records proving these late payments. 

DEPTEDNELNET XXXX * High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX This item remains inaccurate despite prior disputes. Without creditor validation or proof of delinquency, this constitutes a violation of FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ). 

DEPTEDXXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX This outdated and unverifiable account should no longer appear on my file. Reporting obsolete data beyond the allowable period violates FCRA 605 ( a ). 

DEPTEDXXXX XXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment * * This record remains unverified and duplicate of other XXXX entries. Continuing to report redundant or unverifiable data violates FCRA 607 ( b ) and harms the accuracy of my credit file. 

DEPTEDXXXX XXXXXXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  The lack of proper creditor verification or supporting evidence violates FCRA 611 ( a ) ( 1 ) ( A ). Unverified accounts can not remain on file. 

DEPTEDXXXX XXXXXXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX This listing has conflicting data with no validation. Under FCRA 623 ( b ), the furnisher must conduct a proper investigation once a dispute is submitted. Failure to do so requires deletion. 

XXXX XXXX * High Balance : {$830.00} Date Opened : XX/XX/XXXX Late Payment * * This old and unverifiable entry should be deleted as it exceeds the seven-year reporting period allowed by FCRA 605 ( a ). Continuing to list obsolete data constitutes a willful violation of federal law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX Late Payment * * The reported late payments have never been validated through any documentation or billing statement. Reporting unverifiable or inaccurate delinquencies violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ). 

XXXX XXXX XXXX High Balance : {$660.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  This collection is inaccurate and unverifiable. The debt collector failed to provide validation as required by FDCPA 809 ( b ). Continuing to report without proof of ownership or verification violates FCRA 611 ( a ). 

XXXX XXXX XXXX High Balance : {$280.00} Date Opened : XX/XX/XXXX Late Payment This account shows a false delinquency with no valid evidence from the creditor. Under FCRA 607 ( b ) and 611 ( a ), unverifiable payment information must be deleted. Continuing to report false data demonstrates negligent noncompliance. 

XXXX XXXX XX/XX/XXXX This inquiry was unauthorized and made without my consent or permissible purpose under FCRA 604 ( a ). Accessing my credit file without authorization violates my privacy and causes measurable harm. 

XXXX  XX/XX/XXXX This unauthorized inquiry violates FCRA 604 ( f ) as there is no permissible purpose or consent for this credit pull. Any inquiry made without a legitimate purpose must be removed. 

I am requesting immediate investigation and correction under FCRA 611 ( a ) ( 1 ) ( A ), removal of the inaccurate address, deletion or correction of the false late payment, and removal of all unauthorized inquiries. If verification can not be completed within the legal time frame, I expect full deletion of each item from my report. Continued reporting of these inaccurate items constitutes willful noncompliance with federal law and will result in further legal action or escalation.

Company response to consumer: Closed with non-monetary relief