Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate, unverified, and harmful entries being reported on my credit file. I have repeatedly attempted to resolve these issues with the credit bureaus and furnishers, but they have failed to correct or remove the inaccurate information in violation of FCRA 602, 604, 605, 607, and 611.

Below are the specific items I am disputing : 1. XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX Wrong Address This address does not belong to me, and I have never lived at, used, or been associated with this location. 
I am requesting its immediate deletion as required under FCRA guidelines for unverifiable or inaccurate personal information. 

2. XXXX XXXX XXXX Reported Late Payment * High Balance : {$96000.00} | Date Opened : XX/XX/XXXX This account is reporting late payments, which is factually incorrect. 
I have never made any late payments, and the reported history is inaccurate. 
I am requesting correction of the account history to reflect an accurate, never-late payment record. 

3. XXXX XXXX XXXX Charge Off * High Balance : {$27000.00} | Date Opened : XX/XX/XXXX This account is being reported as a charge-off, but I have no knowledge of this account whatsoever. 
Because the account is unknown and unverified, it must be removed immediately under FCRA 611 and 605 ( b ). 

4. XXXX XXXX XXXX Reported Late Payment High Balance : {$120.00} | Date Opened : XX/XX/XXXX This account is reporting late payments, which is incorrect. 
I have never been late on this account, and the payment history is inaccurately reported. 
I demand that the late payment entries be corrected immediately. 

5. Unknown Collection XXXX Collection Account High Balance : {$530.00} | Date Opened : XX/XX/XXXX I have no knowledge of this collection account and have never received validation, communication, or notice regarding this item. 
Under FCRA 609 and FDCPA 809 ( b ), unverified and unknown accounts must be removed, as the furnisher has not proven the debt belongs to me. 

6. XXXX Inquiry XX/XX/XXXX This inquiry was made without my authorization or permissible purpose. 
Under FCRA 604, inquiries without consumer consent or legitimate business need must be removed immediately.

Requested Action I am respectfully requesting that the CFPB intervene and ensure : Deletion of all inaccurate addresses, charge-offs, unknown accounts, unauthorized inquiries, and unverifiable collection items. 

Correction of all incorrect late payment histories. 

Furnishers provide complete, written verification, or the items must be removed permanently, as required by law. 

These inaccuracies are causing significant harm, including credit denials, increased interest rates, and emotional distress. The failure of the bureaus and furnishers to investigate properly is a direct violation of the Fair Credit Reporting Act. 

Thank you for your attention. I request a full investigation and written confirmation of the resolution.

Company response to consumer: Closed with non-monetary relief