Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
I am filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws have been violated by the inaccurate and unauthorized reporting of my personal and financial information. My credit file contains serious reporting errors, including a wrong address, an account that has been misreported as a charge-off, and an unauthorized inquiry that was made without my consent. These actions have caused damage to my creditworthiness, emotional distress, and violation of my rights to fair and accurate credit reporting under the law. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is inaccurate and not associated with me. Reporting this incorrect address violates FCRA 607 ( B ) as it does not reflect maximum accuracy. I have never lived at or used this address for any credit-related activity. This error affects my reports integrity and creates confusion regarding my credit identity. Continued reporting of an unverified address is reckless under federal consumer law. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Late Payment This account shows a late payment which I dispute as inaccurate. There was no verifiable documentation provided by the furnisher proving the validity of the reported delinquency. According to FCRA 611 ( A ) and 623 ( A ) ( XXXX ) ( A ), furnishers must ensure data accuracy and verify all disputed information. If the creditor can not provide original signed documentation or transaction evidence, this record must be deleted immediately. 

XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} Late Payment The payment reporting on this account is incorrect and inconsistent with my actual history. The alleged late mark was added without my consent or proper verification. The FCRA 607 ( B ) requires all data furnished to be complete and accurate. By continuing to report unverifiable payment data, the bureau is violating my right to fair and accurate credit reporting. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Charge Off This charge-off account was never validated through proper investigation. Under FCRA 611 ( A ) ( 5 ) ( A ), unverifiable information must be promptly deleted. The creditor has failed to provide signed documentation showing I authorized the account or defaulted. Reporting a charge-off without proof constitutes negligent reporting under 623 ( A ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6400.00} Charge Off The reporting of this charge-off is inaccurate, as no original contract or validation has been presented. The FCRA 609 ( A ) ( 1 ) entitles me to request the source of the information. If the bureau can not produce proof from the original creditor, the account must be deleted for non-compliance. Continued reporting of unverifiable accounts is a willful violation under XXXX. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Late Payment This accounts late payment entry is false. The data conflicts with verified records from the creditor. The FCRA 607 ( B ) mandates that the bureau assure maximum possible accuracy, and 611 ( A ) requires a reasonable reinvestigation. Since the furnisher did not provide original evidence in my previous dispute, this entry should be deleted immediately. 

XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Late Payment The reporting of this late payment is inaccurate and not supported by factual documents. Under FCRA 611 ( A ) ( 5 ) ( A ), unverifiable information must be deleted. The lack of any signed agreement or billing records invalidates the creditors claim. 

XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Late Payment This account has been falsely reported with a delinquency that never occurred. FCRA 623 ( A ) ( 1 ) ( B ) prohibits furnishers from reporting inaccurate data after notice of dispute. Since no valid response was provided previously, I demand immediate deletion. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Charge Off The charge-off reporting lacks verification and contradicts the factual history. No proof of default or written agreement was ever produced. Under FCRA 611 ( A ) and 623 ( A ) ( 1 ) ( A ), the bureau and furnisher are obligated to ensure data accuracy and remove unverifiable information. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} Charge Off This charge-off remains unverified even after my initial dispute. The continued reporting of inaccurate data violates 607 ( B ) and 611 ( A ) ( 5 ). Without authenticated evidence showing my default, the bureau must delete this account for non-compliance. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was unauthorized and conducted without permissible purpose under FCRA 604 ( A ). I never consented to this credit pull, and the bureau must remove it as an unauthorized access to my consumer file. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry was not initiated or approved by me. Under FCRA 604 and 605, inquiries without explicit authorization or application are a violation of consumer rights. I demand its deletion immediately. 

In conclusion, the reporting of a wrong address, false charge-off, and unauthorized inquiry violates my rights under the FCRA and FDCPA. These errors have caused harm to my credit and peace of mind. I request the CFPB to investigate, enforce compliance, and ensure all inaccurate and unauthorized information is permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief