Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17109350
Complaint Overview
Complaint ID: 17109350
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: 10462
Date Received: 2025-11-07T12:00:00-05:00
Date Sent to Company: 2025-11-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint because my credit reports contain several serious inaccuracies and fraudulent items that are damaging my credit profile and reputation. I have no knowledge or association with the accounts listed below, and multiple incorrect addresses have also been linked to my credit file without my authorization. Incorrect Personal Information ( Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Wrong AddresXXXX XXXX XXXX XXXX, XXXX, NY XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Wrong Address These addresses are not associated with me and must be removed from my credit reports immediately. Their presence raises concerns of possible identity misuse or reporting errors by the credit bureaus or furnishers. Disputed Accounts ( Unauthorized / Inaccurate Reporting ) : XXXX ( Account Ending XXXXXXXX XXXX ) High Balance : {$14000.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. This reporting is inaccurate and must be deleted. XXXX ( Account Ending XXXXXXXX XXXX XXXX XXXX ) High Balance : {$5800.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. This entry must be removed as it is false and damaging. XXXXXXXX XXXX ( Account Ending XXXXXXXX XXXX XXXX ) High Balance : {$3800.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. This appears to be an unauthorized or fraudulent entry. XXXX XXXX ( Account Ending XXXXXXXX XXXX ) High Balance : {$1800.00} Date Opened : XX/XX/XXXX Status : Late Payment This reporting is inaccurate. I have never made any late payments on any account. The payment history must be corrected to reflect a perfect payment record. XXXX XXXX XXXX ( Account Ending XXXXXXXX XXXX ) High Balance : {$12000.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. It should be immediately deleted from all credit reports. XXXX XXXX XXXX ( Account Ending XXXXXXXX XXXX ) High Balance : {$39000.00} Date Opened : XX/XX/XXXX Status : Late Payment This reporting is completely inaccurate. I have never made a late payment, and this must be corrected immediately. Summary of Violations : These errors represent violations of the Fair Credit Reporting Act ( FCRA ) specifically Sections 602 ( A ), 604 ( A ), and 611, which require accuracy, permissible purpose, and proper reinvestigation. The furnishers and credit bureaus have failed to maintain maximum possible accuracy of information in my credit file. This has caused emotional distress, credit denials, and financial harm. Requested Actions : Conduct a full investigation into these accounts and remove or correct any information found to be inaccurate or unverifiable. Require the credit bureaus ( XXXX, Equifax, and XXXX ) to delete all wrong addresses from my profile. Enforce compliance with the FCRA and ensure the furnishers provide proof of verified and authorized accounts or delete them permanently. Provide written confirmation of the investigation results and actions taken. Thank you for your attention to this serious matter. I am seeking your immediate intervention to ensure my credit reports reflect only accurate, verified information as required by law.
Frequently Asked Questions
What is Complaint #17109350 about?
Complaint #17109350 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-11-07T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.