Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
I am filing this complaint against Equifax due to their persistent failure to maintain the accuracy, integrity, and privacy of my credit report in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX  XXXX et seq. Equifax has reported multiple inaccurate addresses, accounts with late payments and charge-offs that do not belong to me, and has allowed hard inquiries without my authorization. I have submitted disputes directly to Equifax, but they failed to correct or reinvestigate the errors in good faith, as required by law. These inaccurate entries have caused me XXXX XXXX  denial of credit, and reputational XXXX 
XXXX XXXX XXXX XXXX XXXX, NC XXXX Issue : This address is incorrect and does not belong to me. I have never resided at this location and have no association with it. Reporting false addresses indicates severe negligence in verifying consumer identity. 
Violations : FCRA XXXX ( b ) failure to follow reasonable procedures to ensure maximum possible accuracy FCRA XXXX ( a ) failure to reinvestigate disputed information XXXXP XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$22000.00} Issue : This account is inaccurately reporting late payments, which I dispute. I have requested verification and correction, but Equifax continues to report these derogatory marks. 
Violations : FCRA XXXX ( b ) inaccurate reporting FCRA XXXX failure to conduct proper reinvestigation FCRA XXXX ( b ) furnisher 's duty to investigate after dispute XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$1900.00} Issue : This account is reporting as a charge-off, but I have no knowledge or agreement with this company. This account may be fraudulent or a result of identity theft. 
Violations : FCRA XXXX impermissible access and reporting FCRA XXXX ( b ) inaccurate reporting FCRA XXXX block of information resulting from identity theft not honored XXXX XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$2800.00} Issue : This account is inaccurately reporting late payments. I have disputed the account and requested documentation to verify its legitimacy, which Equifax failed to provide. 
Violations : FCRA XXXX ( b ) failure to ensure accuracy FCRA XXXX ( a ) failure to reinvestigate upon consumer dispute FCRA XXXX ( b ) duty of data furnisher after dispute XXXX XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$1700.00} Issue : This account is reporting a charge-off status without any proper validation. I do not acknowledge this account and suspect it may have been opened or altered without my consent. 
Violations : FCRA XXXX unauthorized reporting FCRA XXXX ( b ) failure to report accurate information FCRA XXXX block of fraudulent data not honored XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX High Balance : {$28000.00} Issue : This account is showing repeated late payments that are not accurate. I have requested a complete payment history and dispute resolution, but no such efforts have been made by Equifax. 
Violations : FCRA XXXX ( b ) * * inaccurate reporting FCRA XXXX ( a ) failure to reinvestigate after dispute FCRA XXXX ( b ) furnisher failed to correct or remove disputed data XXXX  Inquiry Date : XX/XX/XXXX Issue : This hard inquiry was done without my authorization or any permissible purpose. I did not apply for credit with XXXX  and demand removal of this unauthorized access. 
Violations : FCRA XXXX ( c ) inquiry without permissible purpose FCRA XXXX ( XXXX ) user of credit report failed to obtain proper authorization XXXX  Inquiry Date : XX/XX/XXXX Issue : This hard inquiry was made without my consent or knowledge. Equifax allowed this inquiry without verifying my identity or confirming authorization. 
Violations : FCRA XXXX unauthorized credit access FCRA XXXX ( a ) failure to maintain reasonable procedures to prevent unauthorized access Equifax 's repeated failure to properly investigate and correct these items after formal disputes demonstrates willful noncompliance and negligence. I am requesting immediate removal of the above inaccurate addresses, accounts, and inquiries, and demand a full reinvestigation under the law. I also reserve my right to pursue legal action and statutory damages under FCRA XXXX and XXXX for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief