Consumer complaint received 2025-12-24 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 regarding inaccurate and unverifiable information currently being reported on my Equifax credit file. Under the Fair Credit Reporting Act, Equifax is required to ensure that only accurate, complete, and properly verified information appears on a consumers credit report. Despite this obligation, my Equifax report continues to display multiple items that are not mine, not recognized, or inaccurately reported. I am requesting a proper reinvestigation and correction or deletion of the following items. 
There is an address listed as XXXX XXXX XXXX XXXX, XXXX, WV XXXX. This address is not mine, I have no knowledge of it, and I have never lived at or received mail at this location. Equifax must delete this address immediately as it is inaccurately associated with my credit file. 
Another address listed on my Equifax report is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. This address does not belong to me, I do not recognize it, and I am requesting its complete removal from my credit report. 
The account reported by XXXX XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, is being reported with late payment history. The late payment information is inaccurate, and Equifax must investigate and correct any incorrect payment history being reported. 
The account reported by XXXX XXXX  ending in XXXX, opened on XX/XX/XXXX, and reported as a charge-off with a high balance of {$850.00} is not accurate. I do not recognize this charge-off as reported, and Equifax must either properly verify this account or delete it. 
The account reported by XXXX ending in XXXX, opened on XX/XX/XXXX, is being reported as a charge-off with a high balance of {$760.00}. I do not recognize this account as reported, and I am requesting deletion if Equifax can not provide proper verification. 
The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, is reported as a charge-off with a high balance of {$430.00}. This reporting is inaccurate, and Equifax must correct or delete this account following a lawful reinvestigation. 
The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, is reported as a charge-off with a high balance of {$940.00}. I do not recognize this account as reported, and I am requesting verification or deletion. 
The account reported by the West Virginia XXXX XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, and reported as a charge-off with a XXXX balance is not recognized. I have no knowledge of this account being reported in this manner, and Equifax must delete it if it can not be properly verified. 
The account reported by XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, is being reported with late payment history. The late payment information is inaccurate, and Equifax must investigate and correct this reporting. 
The XXXX account ending in XXXX, opened on XX/XX/XXXX, is being reported as a charge-off with a high balance of {$500.00}. I do not recognize this charge-off, and Equifax must XXXX this account if it can not be verified. 
The XXXX XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, is reported as a charge-off with a high balance of {$11000.00}. I do not recognize this account as reported, and Equifax must remove it if proper verification can not be provided. 
The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, is being reported as a charge-off with a high balance of {$16000.00}. This reporting is inaccurate and must be investigated, corrected, or deleted. 
The collection account reported by XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, with a high balance of {$730.00} is not mine and is not recognized. I am requesting deletion unless Equifax can fully verify this collection. 
The collection account reported by XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, with a high balance of {$140.00} is not recognized and must be removed if it can not be properly verified. 
Equifax is required under the Fair Credit Reporting Act to ensure maximum possible accuracy of the information it reports. I am requesting that the CFPB require Equifax to conduct a lawful reinvestigation and promptly correct or delete all inaccurate information listed above.

Company response to consumer: Closed with non-monetary relief