Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate and unverifiable accounts, as well as unauthorized credit inquiries, appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), 1681e ( b ), I have the right to dispute any inaccurate, incomplete, or unverifiable information. I also invoke the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 16921692p for accounts listed as charge-offs or collections that I have no knowledge of. 
XXXX XXXX XXXX XXXX, LA XXXX This address is incorrect and unverifiable. Under FCRA 1681i ( a ), I demand that the reporting agency investigate and remove this false entry. This inaccuracy has caused confusion with creditors and unnecessary inquiries on my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX I have never resided here. FCRA 1681e ( b ) obligates accurate reporting. The presence of this address on my credit report represents an ongoing risk of fraud and must be removed. 
XXXX XXXX * XXXX XXXX {$160.00} Opened XX/XX/XXXX I have no knowledge of this account. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Listing a debt I never incurred constitutes inaccurate reporting and potential harassment under FDCPA 1692e. Removal is required to prevent further harm. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge Off {$700.00} Opened XX/XX/XXXXXXXX XXXX XXXX  I do not recognize this account. FCRA 1681i ( a ) requires verification before reporting. Reporting unknown debts damages my creditworthiness and financial reputation. I demand deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge Off {$760.00} Opened XX/XX/XXXXXXXX XXXX XXXX  I have no record of this account. Reporting it without verification violates FCRA 1681e ( b ). It has caused unjust damage to my credit score. Immediate removal is requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off {$0.00} Opened XX/XX/XXXXXXXX XXXX XXXX This account is inaccurately reported. As I have never opened or owed this account, FCRA XXXX ( a ) mandates deletion. Continuing to report it is misleading and harmful. 
XXXX XXXX XXXX XXXX XXXX XXXX Charge Off {$180.00} Opened XX/XX/XXXXXXXX XXXX XXXX I have no knowledge of this alleged debt. FCRA 1681i ( a ) requires verification ; FDCPA 1692f prohibits unfair reporting. This inaccurate listing must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} Opened XX/XX/XXXXXXXX XXXX XXXX  This account is unknown to me. Reporting unverified debts is illegal under FCRA 1681i ( a ) and FDCPA 1692e. Deletion is demanded to correct my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment {$0.00} Opened XX/XX/XXXXXXXX XXXX XXXX I have never made a late payment on this account. FCRA 1681i ( a ) allows correction of inaccurate information. I request the payment history be corrected to reflect timely payments. 
XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} Opened XX/XX/XXXXXXXX XXXX XXXX The late payment status is incorrect. FCRA 1681i ( a ) requires reporting agencies to maintain accurate history. I demand correction of the record to reflect proper payment activity. 
XXXX XXXX XXXX XXXX Collection {$350.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX do not recognize this collection. FCRA 1681i ( a ) requires verification of any reported debt. Listing unverifiable collections causes harm to my creditworthiness and constitutes unfair reporting under FDCPA 1692f. I request deletion. 
XXXX XXXX XXXX XXXX {$4300.00} Opened XX/XX/XXXXXXXX XXXX  This account is reported without my consent or knowledge. FCRA 1681i ( a ) and FDCPA 1692e prohibit reporting unverified debts. The presence of this collection is materially damaging and must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} Opened XX/XX/XXXXXXXX XXXX XXXX I have no record of this account. Reporting unverified debts violates FCRA 1681i ( a ). This entry has harmed my credit score and caused unnecessary financial distress. I demand deletion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$490.00} Opened XX/XX/XXXXXXXX XXXX XXXX  This account is unknown to me. FCRA 1681i ( a ) mandates verification before reporting. Continuing to report this unverifiable debt is inaccurate and damaging. Immediate removal is requested. 
XXXX XXXX XXXX {$580.00} Opened XX/XX/XXXXXXXX XXXX  I do not recognize this collection account. FCRA 1681i ( a ) requires investigation and verification. FDCPA 1692f prohibits unfair reporting practices. I request that this entry be deleted from my credit report to reflect accurate information. 
XXXX XXXX XXXX XXXX  XXXX {$460.00} Opened XX/XX/XXXXXXXX XXXX XXXX This debt is completely unknown to me. It is unlawful under FCRA 1681e ( b ) to report unverifiable accounts. I have never been contacted, nor has any validation been provided. I request deletion to ensure compliance with FCRA accuracy standards. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my knowledge or consent and therefore violate FCRA 1681b. Unauthorized inquiries can negatively impact my credit score, affect my ability to obtain credit, and constitute a breach of my privacy. I request that CFPB investigate these inquiries, verify that each was conducted with proper authorization, and remove any inquiry that can not be verified as authorized. 
The accumulation of these unverifiable collections, charge-offs, and unauthorized inquiries has caused material harm to my credit score, financial opportunities, and personal security. I demand CFPB to investigate these accounts, direct reporting agencies to verify all disputed entries, and remove or correct any information that can not be substantiated. Supporting documents including proof of identity and records are attached to assist in your investigation.

Company response to consumer: Closed with explanation