Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17109806
Complaint Overview
Complaint ID: 17109806
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: South Carolina
ZIP Code: 29407
Date Received: 2025-11-07T12:00:00-05:00
Date Sent to Company: 2025-11-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this formal complaint regarding multiple serious inaccuracies on my credit reports that are negatively impacting my creditworthiness and reputation. Despite my efforts to correct these errors with the credit bureaus and furnishers, these false and misleading items continue to appear. I am requesting the CFPBs immediate assistance in investigating and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). The inaccurate items are as follows : Incorrect Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX This is not my current or previous address. I have no connection whatsoever to this location. I request that this inaccurate address be permanently deleted from my credit profile. XXXX XXXX BANK ( XXXX # XXXX ) Date Opened : XX/XX/XXXX Original Balance : {$1000.00} This account is being reported with a late payment history, which is completely inaccurate. I have never made any late payments to this creditor. The reporting of this false delinquency is damaging my credit standing and violates FCRA 607 ( b ), which requires data furnishers to report accurate information. I request that the late payment status be immediately corrected to show a perfect payment history. XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX High Balance : {$3000.00} This account is being reported as a charge-off, which is entirely incorrect. I have no knowledge of this account, and I never authorized or opened it. This appears to be either a case of mistaken identity or identity theft. Under FCRA 611 and 623 ( a ) ( 1 ) ( A ), I request that this fraudulent charge-off account be deleted immediately. XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$40000.00} I have no knowledge of this account and have never had any financial relationship with this entity. This account is false and unverifiable, and must be removed immediately from my credit reports under FCRA 611. These inaccurate entries are causing significant harm to my credit score, financial reputation, and overall well-being. I am requesting a complete investigation into each of these items and the enforcement of my rights under the Fair Credit Reporting Act. Please ensure that each data furnisher and credit bureau involved ( Equifax, XXXX, and XXXX ) conducts a thorough reinvestigation and provides written verification of their findings within the time frame prescribed by law. Thank you for your prompt attention to this matter. I expect a full and fair resolution, including written confirmation of corrections or deletions, as required by law.
Frequently Asked Questions
What is Complaint #17109806 about?
Complaint #17109806 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 explanation". 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.