Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16110550

Complaint Overview

Complaint ID: 16110550

Company: Equifax, INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: New York

ZIP Code: 12550

Date Received: 2025-09-22T12:00:00-05:00

Date Sent to Company: 2025-09-22T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am submitting this complaint to report multiple inaccurate accounts and unauthorized inquiries on my credit file. These items are affecting my creditworthiness, ability to obtain loans, and overall financial standing. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information, request reinvestigation, and demand removal of items that can not be verified. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This address is also not associated with me. The misreporting of this address is misleading and directly impacts the integrity of my credit file. I have never resided, rented, or conducted financial activity at this location. Inclusion of this address may create confusion with creditors or identity verification services. The bureau has a duty under FCRA Sections 607 ( b ) and 611 ( a ) to investigate and ensure accuracy. No documentation has been provided showing any connection between me and this address. This erroneous data may also result in unauthorized inquiries, increased credit denials, or misidentification with collections. Reinvestigation should include source verification, and if unverifiable, the address must be deleted. Continued reporting of inaccurate addresses violates my rights and may harm my credit standing. I request immediate removal and written confirmation. XXXX XXXX XXXX, NY XXXX This address is unverified and incorrectly reported. I have no connection to this property. Accurate reporting of addresses is required to prevent misidentification and improper credit evaluation. This address has never appeared on any utility, lease, mortgage, or official document in my name. Misreporting violates FCRA Section 611 ( a ) which mandates that unverifiable information be removed. The bureau must provide proof of address linkage, and in absence of valid documentation, deletion is required. Incorrect addresses can interfere with credit applications, mortgage approvals, and background checks. Maintaining this information is negligent and misleading. I have requested reinvestigation in previous rounds, and the continued reporting shows noncompliance with federal law. Please correct immediately. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX This account is inaccurately reported as having late payments. I met all obligations on time and on schedule, and no verified documentation supports any late payment claim. Under FCRA Section 611 ( a ), you are required to reinvestigate disputed items thoroughly. Misreporting this account misrepresents my financial responsibility and negatively impacts my creditworthiness and ability to obtain loans or favorable interest rates. No prior notice or validation has been provided by the creditor or bureau, which is required by FCRA Sections 607 ( b ) and 611 ( a ). Continued reporting of inaccurate data constitutes negligence and violates federal law. I dispute the balance, payment history, and account status in their entirety. Immediate correction or deletion of this account is required. The reporting source must verify accuracy or remove the item. Failure to comply with this obligation harms my credit reputation and financial opportunities. I demand written confirmation that this account has been corrected or deleted. The integrity of my credit report depends on the removal of unverifiable and inaccurate information. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Collection XXXX XXXX This account is incorrectly reported as a collection and no verification or documentation has been provided to substantiate the debt. FCRA Section 611 ( a ) mandates removal of unverifiable accounts, and continued reporting without proof misrepresents my financial responsibility. The balance and status are disputed in full, and inclusion may result in wrongful collection attempts, duplication of prior reported information, and harm to my credit score and borrowing capacity. Reporting violates FCRA Section 607 ( b ), which requires maximum possible accuracy. Documentation linking this account to me has not been presented, creating a risk of identity confusion and credit denial. Immediate reinvestigation and correction or deletion are required to comply with federal law. Continued reporting without verification is a violation of my rights and the reporting bureaus obligations. This accounts inaccurate reporting misrepresents my payment history. I demand written confirmation of removal or correction. Failure to correct this account may negatively affect loans, insurance, and financial opportunities. Accurate reporting is critical, and unverifiable information must be removed immediately. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Collection XXXX XXXX This account is inaccurately reported and unverifiable. No documentation links me to this debt, and FCRA Section 611 ( a ) requires reinvestigation of disputed items. Misreporting this account negatively affects my creditworthiness and financial decision-making. The balance, status, and reporting dates are all disputed, and inclusion may result in wrongful collection action. Reporting violates Sections 607 ( b ) and 611 ( a ), and documentation must be provided or the item removed. Continued reporting of inaccurate or unverifiable information constitutes negligence. Immediate correction or deletion is required, and failure to comply violates federal law. Misreporting affects my credit reputation, loan approvals, and financial opportunities. I demand written confirmation of correction or removal. Inclusion of unverifiable items misrepresents my payment history and financial responsibility. The bureau must ensure the integrity of my credit report by correcting this account. XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Collection * * This account is inaccurately reported and unverifiable. No documentation exists to confirm the debt or balance, and FCRA Sections 607 ( b ) and 611 ( a ) require thorough reinvestigation. The balance and account status are disputed in full, and reporting this item misrepresents my financial responsibility. Inclusion may result in denial of credit, loans, or insurance approvals. No verification or supporting documentation has been provided. Continued reporting is unlawful and violates federal law, misrepresenting my payment history and financial behavior. Immediate deletion or correction is required, and written confirmation must be provided. Continued inaccurate reporting constitutes negligence. This accounts misreporting harms my creditworthiness and financial reputation. The reporting source must verify accuracy or remove the item immediately. Failure to correct this account impacts my ability to access credit opportunities. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX This account is inaccurately reported as a charge-off, and no verification exists to support this claim. FCRA Section 611 ( a ) ( 5 ) requires removal of unverifiable items. Inclusion harms my creditworthiness and financial reputation, and the balance and status are disputed in full. Reporting without verification is misleading and may affect loans and credit approvals. No documentation links me to this account. Continued reporting violates Sections 607 ( b ) and 611 ( a ), and immediate deletion or correction is required. Written confirmation of corrections must be provided. Reporting unverifiable information constitutes negligence. Misreporting misrepresents my financial responsibility. The bureau must remove or correct this item immediately. Failure to correct this account damages my credit report and financial standing. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX This account is inaccurately reported as a charge-off, and no documentation supports this status. FCRA Section 611 ( a ) mandates reinvestigation of disputed items. Misreporting affects creditworthiness, loan eligibility, and financial decisions. The balance and status are disputed, and reporting is unverified and misleading. Inclusion violates Section 607 ( b ) for maximum possible accuracy. Documentation must be provided or the item removed. Continued reporting harms my credit reputation and constitutes negligence. Immediate deletion or correction is required. Written confirmation must be provided. Failure to comply with federal law negatively impacts my financial opportunities. Misreporting this account misrepresents my financial history. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX Late payment reporting is inaccurate, as I met all obligations on time. FCRA Sections 607 ( b ) and 611 ( a ) require deletion of unverifiable items. Misreporting harms my creditworthiness, and the balance, payment history, and status are disputed in full. Inclusion misrepresents my financial responsibility and violates federal law. No documentation validates this account, and continued reporting constitutes negligence. Immediate correction or deletion is required, with written confirmation. Continued reporting damages my credit reputation and financial opportunities. Misreporting may result in loan denials or increased interest rates. Documentation must be provided for any continued reporting. The bureau must comply with FCRA requirements. Failure to correct this item negatively impacts my financial standing. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} Charge Off XXXX XXXX XXXXhis charge-off is inaccurate and unverifiable. No proof supports this reporting, and FCRA Section 611 ( a ) requires reinvestigation of disputed items. Misreporting affects creditworthiness and financial decision-making. The balance and status are disputed, and inclusion violates Sections 607 ( b ) and 611 ( a ). Documentation must be provided or the item removed. Reporting is negligent and misleading, harming my financial reputation. Continued reporting constitutes a federal violation. Immediate correction or deletion is required, with written confirmation. Misrepresentation of my credit file affects loans, credit, and insurance opportunities. The bureau must remove unverifiable accounts immediately to maintain report accuracy. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Charge Off XXXX XXXX XXXXccount reporting is inaccurate and unverifiable. FCRA Sections 607 ( b ) and 611 ( a ) require reinvestigation of all disputed items. No documentation links me to this account, and misreporting harms my financial reputation and creditworthiness. The balance and status are disputed, and inclusion violates federal law. Reporting is misleading and negligent, negatively affecting loans, credit, and insurance approvals. Immediate deletion or correction is required, with written confirmation. Continued reporting constitutes a violation of FCRA. Verification must be provided if reporting continues. Failure to correct this account damages my financial record and credit history. Misreporting misrepresents payment responsibility. The bureau must correct or delete this account immediately. XXXX XXXX XXXXXXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Charge Off XXXX XXXX This account duplicates another account and is inaccurately reported. FCRA Sections 607 ( b ) and 611 ( a ) require deletion of unverifiable or duplicated items. Misreporting harms creditworthiness, and the balance and status are disputed. Documentation proving accuracy is missing, and continued reporting violates federal law. Inclusion misrepresents my financial behavior and misleads creditors. Immediate deletion or correction is required, with written confirmation. Continued reporting is negligent. Failure to correct this account constitutes a violation of my rights under FCRA. Misreporting affects loan approvals, credit, and financial opportunities. The bureau must verify or delete this account immediately. Continued inaccuracy damages my financial standing. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$55.00} Charge Off XXXX XXXX This account is inaccurately reported as a charge-off, and FCRA Section 611 ( a ) requires deletion if unverifiable. No documentation links me to this account, and misreporting harms my creditworthiness and financial opportunities. The balance and status are disputed, and inclusion violates Sections 607 ( b ) and 611 ( a ). Reporting is misleading and negligent, negatively affecting loans and credit approvals. Immediate correction or deletion is required, with written confirmation. Continued reporting is unlawful and constitutes negligence. Verification must be provided if reporting continues. Failure to correct this account damages my credit history and financial reputation. Misreporting misrepresents my financial responsibility. The bureau must remove or correct this account immediately. XXXX XXXX XX/XX/XXXX This inquiry was made without my authorization and is therefore inaccurate. FCRA Section 604 ( a ) requires that all consumer reports and inquiries have a permissible purpose, which has not been demonstrated here. No documentation or consent proving authorization has been provided by the creditor or reporting agency. Reporting this unauthorized inquiry misrepresents my creditworthiness and negatively impacts my credit score. Inclusion of this inquiry is misleading, unlawful, and constitutes a violation of federal law. The bureau must investigate and provide proof of authorization or delete the inquiry immediately. Continued reporting of unauthorized inquiries is negligent and harms my financial reputation. Misreporting affects my ability to obtain loans, credit, and favorable financial terms. Immediate deletion is required to ensure the accuracy of my credit report. Written confirmation of removal must be provided, and failure to correct violates FCRA and damages my financial record. XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my authorization and is therefore inaccurate. Under FCRA Section 604 ( a ), a consumer reporting agency may only furnish reports with permissible purposes. I did not request or consent to this inquiry, and no verification of authorization has been provided. Reporting unauthorized inquiries harms my creditworthiness and can negatively affect my credit score. Inclusion of this inquiry is misleading and constitutes a violation of my rights under federal law. The bureau must investigate and provide proof of authorization or remove the inquiry immediately. Continued reporting of unauthorized inquiries misrepresents my credit history. Immediate deletion is required to maintain the accuracy of my credit file. Written confirmation of removal must be provided. Failure to correct this inquiry violates FCRA and impacts my financial opportunities. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my knowledge or authorization. FCRA Section 604 ( a ) restricts inquiries to permissible purposes, and no documentation exists proving consent. Reporting an unauthorized inquiry negatively affects my credit report and score. Inclusion is misleading and unlawful, misrepresenting my creditworthiness. The bureau must investigate and either verify authorization or delete the inquiry immediately. Continued reporting of this unauthorized inquiry is a violation of federal law. Misreporting affects my ability to obtain credit, loans, and financial services. Immediate removal is required to maintain an accurate credit report. Written confirmation of deletion or correction must be provided. Failure to correct this item constitutes a federal violation and harms my financial record. I request CFPB to take immediate action to reinvestigate, correct, or remove the inaccurate charge-offs and unauthorized inquiry listed above. Enforcement of my rights under federal law is required, and I expect prompt resolution to ensure my credit file accurately reflects only verified and authorized information.

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