Consumer complaint received 2025-11-04 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: NJ

Complaint narrative:
This complaint is being filed against the credit reporting agencies and certain data furnishers for reporting inaccurate, unverified, and fraudulent information on my credit report. The listed addresses and accounts below have no connection to me and have been falsely and negligently reported, violating my rights under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), 611, and 623, as well as the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ) where applicable. These errors have caused significant emotional distress, loss of credit opportunities, and misrepresentation of my identity. 

THE FOLLOWING ITEMS ARE BEING DISPUTED AS INACCURATE OR FRAUDULENT : Wrong Addresses Reported : XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX I have never resided at this address, nor have I had any financial connection to it. Reporting this false location misrepresents my identity and creates the risk of identity confusion. 

XXXX XXXX XXXX XXXX, PA XXXX This address was never mine, and its inclusion violates FCRA accuracy XXXX. 

XXXX XXXX XXXX # XXXX XXXX, NY XXXX This location has no connection to my identity. Please remove it without delay. 

XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX Completely inaccurate ; I have never lived or conducted business here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This address is false and not authorized to appear on my credit profile. 

Account Errors and Disputes : XXXX XXXX XXXX  XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$4900.00} | Status : Charge Off I dispute this account in its entirety. I have no recollection, knowledge, or record of authorizing or opening this account with XXXX XXXX or any affiliate. I demand full validation under FCRA 623 ( a ) ( 1 ) ( A ) and FACTA 312. If the furnisher can not produce original documentation bearing my authentic signature, this entry must be deleted immediately. The continued reporting of this unverified charge-off is unlawful and defamatory. 
XXXX XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX | Balance : {$2400.00} | Status : Collection I have no knowledge of this collection or the alleged original creditor. I never received any written notice of validation as required under the FDCPA 809 ( a ). XXXX XXXX XXXX has a documented history of inaccurate data reporting, and unless they provide full proof of contract and itemized statements, this entry must be removed immediately. 

Unverified Hard Inquiries : XXXX XXXX Dated : XX/XX/XXXX I did not authorize this inquiry or application. Please remove it immediately under FCRA 604 and 609.

Narrative and Impact : The ongoing inclusion of these false addresses, unauthorized accounts, and inquiries has caused me serious financial harm and emotional stress. My credit reputation has been unfairly damaged, Ive been denied credit approvals, and Ive had to spend extensive time and effort disputing information that should never have been reported in the first place. Despite sending written disputes to the credit bureaus and furnishers, I have received either generic responses or no resolution at all. This conduct represents willful noncompliance with the FCRA under 616 and 617.

I am requesting that the CFPB investigate these violations, require the credit bureaus and furnishers to : 1. Permanently delete the false addresses.

2. Remove or correct the unverified and inaccurate accounts.

3. Delete unauthorized hard inquiries.

4. Ensure compliance with all applicable FCRA and FDCPA provisions.

Company response to consumer: Closed with non-monetary relief