Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding multiple inaccuracies, erroneous account information, wrongful charge-offs, late payments, collections, and incorrect personal address data reported on my credit report by various furnishers. These reporting errors have caused significant harm to my creditworthiness and financial standing. 
Below is a detailed list of the accounts and related issues I dispute : 1. Incorrect Personal Address Reporting ( Violation of FCRA 609, 611 ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong address reported XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( multiple variations ) Wrong address reported XXXX. Charge-Off Accounts ( Violations of FCRA 623 and FDCPA 809 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off ; High Balance : {$2500.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off ; High Balance : {$610.00} ; Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off ; High Balance : {$150.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off ; High Balance : {$1100.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX  multiple accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others ) Charge-Offs ranging {$52.00} to {$750.00} ; Opened XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off ; XXXX Balance : {$200.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off ; High XXXX : {$30000.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off ; Opened : XX/XX/XXXX XXXX. Late Payment Accounts ( Violations of FCRA 611, 623 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ; High Balance : {$420.00} ; Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ; High Balance : {$1600.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ; High Balance : {$340.00} ; Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ; High Balance : {$880.00} ; Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ; High Balance : {$440.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ; High Balance : {$4200.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ; High Balance : {$30000.00} ; Opened : XX/XX/XXXX XXXX. Collection Accounts ( Violations of FDCPA 807, 808 ; FCRA 623 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection ; High Balance : {$410.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection ; High Balance : {$1800.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection ; High Balance : {$1600.00} ; Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection ; High Balance : {$2200.00} ; Opened : XX/XX/XXXX XXXX. Unauthorized or Erroneous Hard Inquiries ( Violations of FCRA XXXX ) 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 XXXXXX/XX/XXXX Summary of Issues : Many accounts show charge-offs and late payments inaccurately reported without prior proper notice or validation, violating the Fair Credit Reporting Act ( FCRA ) sections 609 ( disclosure and access ), 611 ( dispute procedures ), and 623 ( responsibilities of furnishers ).

Several accounts have incorrect addresses linked to my credit file, which is a clear breach of the FCRAs requirement to maintain accurate and complete information. 
Multiple accounts have been sent to collections and reported without proper validation, violating the Fair Debt Collection Practices Act ( FDCPA ).

Unauthorized hard inquiries have appeared on my report without my consent or any permissible purpose, violating FCRA 604.

Despite my disputes with the respective creditors and credit bureaus, these issues remain unresolved and continue to damage my credit profile unfairly. Legal References : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. 15 U.S.C. 1681i ( FCRA Section 611 ) requires investigation of disputed
information.

15 U.S.C. 1681s-2 ( FCRA Section 623 ) duties of furnishers to provide accurate info.

15 U.S.C. 1681b ( FCRA Section 604 ) permissible purpose for credit report access. 
I request CFPBs urgent intervention to investigate these violations and direct the relevant furnishers and credit bureaus to : Correct or delete inaccurate information immediately. 
Remove unauthorized inquiries from my credit report. 
Provide me with updated, accurate credit reports. 
Confirm compliance with federal consumer protection laws to prevent future violations. 
Thank you for your prompt attention to these serious matters.

Company response to consumer: Closed with non-monetary relief