Consumer complaint received 2025-08-05 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 writing to dispute multiple serious inaccuracies that are currently being reported on my credit file. These errors are not only misleading but are also negatively affecting my credit score and financial stability. I demand that Equifax conduct a full reinvestigation as required by the Fair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ), 607 ( B ), and 611 ( A ) and permanently delete any and all unverifiable or inaccurate information. 

First, my report includes XXXX addresses that are not mine and have never been part of my residence history : XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX These addresses are completely unrelated to me, and their inclusion poses a risk of misidentification or file merging. Under FCRA 607 ( b ), Equifax is required to maintain reasonable procedures to assure maximum possible accuracy of the information it reports. Keeping unrelated addresses on my report is a direct violation of this requirement. I request that these addresses be removed immediately. 

Furthermore, my credit file is showing several charge-off accounts that are inaccurate, unverifiable, and harmful to my credit : XXXX  XXXX, with an account opened on XX/XX/XXXX, and a balance of {$500.00} XXXX, with an account opened on XX/XX/XXXX, and a balance of {$8400.00} XXXX, with an account opened on XX/XX/XXXX, and a balance of {$600.00} XXXX XXXX XXXX with an account opened on XX/XX/XXXX, and a balance of {$4500.00} XXXX XXXX with an account opened on XX/XX/XXXX, and a reported balance of {$0.00}, yet listed as charged off These charge-offs are either recently opened or showing inconsistencies that raise doubts about their accuracy and proper validation. In particular, listing an account like XXXX XXXX as a charge-off with a {$0.00} balance is both contradictory and damaging. None of these creditors have provided proper documentation or validation to me, which is a violation of my rights under FCRA 611 ( a ). If Equifax can not verify these entries with original account-level documentation, they must be removed. 

Additionally, there is a collection account from XXXX, opened on XX/XX/XXXX, with a balance of {$1100.00}, that I do not recognize. I have never received a dunning letter, notice of debt, or any form of validation for this account. Reporting a collection account without prior notice or verification is a violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

More concerning are a number of hard inquiries that have been added to my credit report without my knowledge or consent. These include : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have not applied for credit with these companies, nor have I authorized them to pull my credit report. Per FCRA 604 ( a ) ( 3 ), a consumer reporting agency is only allowed to furnish a credit report for a permissible purpose. If any of these companies can not prove they had my explicit authorization, then these inquiries must be removed.

I am formally invoking my rights under FCRA 611 and requesting that you investigate each of the accounts and inquiries mentioned above. If you are unable to verify them with complete and accurate documentation from the data furnishers, you are required to delete them from my credit file. 

Please send me a detailed report of the results of your reinvestigation and an updated copy of my credit report once these corrections have been made. If this issue is not resolved, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing further legal remedies.

Company response to consumer: Closed with non-monetary relief