Consumer complaint received 2025-11-03 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 submitting this formal complaint regarding multiple inaccurate and unverified items being reported on my consumer credit reports. These accounts and addresses are incorrect and have caused significant harm to my creditworthiness. I am requesting that the CFPB initiate an immediate investigation into the furnishers and credit reporting agencies responsible for these reporting violations under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Wrong Addresses Reported XXXX XXXX XXXX XXXX, XXXX, SC XXXX Incorrect address ; I have no connection to this location. 

XXXX XXXX XXXX XXXX, XXXX, SC XXXX Incorrect address ; I have no connection to this location. 

These addresses are completely inaccurate and must be deleted from all credit bureau files as they do not belong to me. 

XXXX. XXXX and XXXX Accounts XXXX XXXX or XXXX The following accounts are being reported as charge-offs or collections. I have no knowledge of these accounts, have never opened or authorized them, and request that they be deleted immediately as they are unverified and inaccurate : XXXX XXXXXXXX XXXX  High Balance : {$8200.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$1500.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX High Balance : {$1100.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX High Balance : {$270.00} | Date Opened : XX/XX/XXXX Each of these furnishers has failed to provide any verified documentation bearing my signature or showing my consent. Reporting these accounts without verification is a clear violation of FCRA Sections 602 ( A ), 607 ( B ), and 611. 

XXXX. Inaccurate Late Payment Reporting The following accounts are reporting late payments that are completely inaccurate. I have never made any late payments, and the reported delinquencies must be corrected immediately : XXXX XXXX XXXX XXXX High Balance : {$1100.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$710.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  High Balance : {$0.00} | Date Opened : XX/XX/XXXX Under FCRA 607 ( b ), furnishers and CRAs are required to ensure the maximum possible accuracy of all reported information. These accounts clearly fail to meet that standard. 

XXXX. Unfamiliar and Unverified Hard Inquiries The following inquiries appear on my credit report without my knowledge or authorization : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize any of these companies to access my credit file. These inquiries were made without permissible purpose under FCRA 604 ( a ) and must be removed immediately. 

Requested Action I am requesting that the CFPB : Conduct a full investigation into the above furnishers and credit reporting agencies. 

Compel the deletion of all unverifiable charge-off, collection, and unauthorized inquiry entries. 

Direct correction of all false late payment records to reflect accurate on-time payment history. 

Remove all wrong addresses that do not belong to me. 

These inaccurate items are causing undue damage to my credit score and financial reputation. I expect prompt resolution and written confirmation of the corrective actions taken. 

Thank you for your attention and assistance in protecting my consumer rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation