Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB Officer I am submitting this formal complaint against the credit reporting agencies and furnishers who are reporting inaccurate, unverifiable, and unauthorized information on my credit file. Despite sending a prior dispute, these issues remain unresolved. The agencies have failed to maintain reasonable procedures to assure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. The continued reporting of these items is not only damaging my financial well-being but also interfering with my daily life, including job opportunities, housing, and mental peace. 
XXXX XXXX XXXX, MI XXXX Wrong Address Issue : I have never lived at this address nor have any connection to it. It is being inaccurately reported on my credit file without permissible purpose or my authorization. 
Law : FCRA 1681e ( b ) requires furnishers to report only accurate and verified information. Reporting inaccurate addresses violates this requirement.

Story : This address has no association with me and is contributing to mixed file errors. It is likely from identity confusion or third-party data entry error, but I should not suffer from misreporting that is not backed by concrete verification. I request immediate deletion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Wrong Address Issue : Out-of-state address that I have no affiliation with. 
Law : FCRA 1681c prohibits outdated and unverifiable address history.

Story : This address could lead to a mixed file scenario or identity theft suspicion. I am not, and have never been, associated with this Texas residence and demand its removal immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : I have no residential, employment, or familial connection to this address.

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w : FCRA 1681i demands deletion if data can not be verified. Story : My creditworthiness is
being questioned due to these false address links. This has caused unnecessary emotional stress and distrust during financial transactions. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment Issue : This entry shows a late payment that I have no recollection or record of. 
Law : Under FCRA 1681i ( a ), I have the right to a full reinvestigation. 
Story : I never received notice or validation for this account. It may have been misreported due to internal errors or an account transition problem. My efforts to resolve it with the furnisher were unsuccessful. I request the late payment be removed. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection Issue : This collection is inaccurate and not authorized. 
Law : FDCPA 807 and FCRA 1681s-2 prohibit reporting unverifiable and deceptive collection data.

Story : I was never served any valid debt notice for this amount, and I dispute the ownership and balance. This collection has no legal basis and was placed on my report without providing a debt validation letter. It is misleading and damaging. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Chargeoff Issue : Charged off with {$0.00} balance, unclear account history.

Law : FCRA 1681e ( b ) mandates accurate reporting of current balance and status.

Story : This account is misleading. It is unclear whether this was settled, forgiven, or resolved. A {$0.00} balance should not remain under derogatory status indefinitely. Its presence unfairly lowers my credit rating and causes confusion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Late Payment Issue : Incorrect reporting of delinquency. 
Law : FCRA 1681s-2 prohibits reporting inaccurate info knowingly.

Story : I was enrolled in a hardship assistance program or dispute process during this period. The late payment notation is inaccurate and unfairly impacts my score and ability to qualify for rental housing. 
I respectfully ask the CFPB to investigate each of the above-listed issues. The credit bureaus and furnishers are in violation of multiple provisions under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. These inaccurate reports are negatively affecting every aspect of my life. I request deletion of unverifiable data, correction of inaccurate information, and enforcement actions against any agency or company found in willful violation.

Company response to consumer: Closed with non-monetary relief