Consumer complaint received 2025-12-18 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 to dispute multiple inaccuracies currently being reported on my consumer credit reports. These inaccuracies include addresses that do not belong to me, accounts reported as charge-offs or collections that I have no knowledge of, and accounts inaccurately reporting late payments despite no late payment history. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies and furnishers are required to ensure that all information reported is complete, accurate, and verifiable. The items listed below do not meet this standard and require immediate reinvestigation. 

XXXX. Incorrect Personal Information Wrong Addresses The following addresses are not mine, and I have no knowledge or association with them. These addresses are inaccurately linked to my credit file and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX XXXX. Accounts Reported as Charge-Offs or Collections Not Mine The following accounts are being reported as charge-off or collection accounts. I have no knowledge of these accounts, did not authorize them, and dispute their accuracy in full. These items must be properly investigated and deleted or corrected if they can not be fully verified : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Late Payment Reporting History Is Wrong The following accounts are inaccurately reporting late payments. I have never made a late payment on these accounts. The reported payment history is incorrect and must be corrected, not deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. Unauthorized or Unrecognized Credit Inquiries The following inquiries are listed on my credit report. I am requesting verification of permissible purpose under FCRA : SC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX Request for CFPB Assistance I am requesting that the CFPB require the involved consumer reporting agencies and furnishers to : Conduct a proper reinvestigation of each disputed item Delete all information that can not be fully verified Correct inaccurate late payment histories Remove all incorrect addresses from my credit file Ensure my credit report reflects only accurate, complete, and verifiable information Please provide written confirmation of the investigation results and the actions taken. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief