Consumer complaint received 2025-09-17 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:
I am filing this complaint regarding serious and harmful inaccuracies that have been reported on my credit file by certain furnishers and credit reporting agencies. These errors have significantly damaged my credit standing and caused me undue hardship. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, fair, and verifiable reporting of my personal and financial information. The following accounts and entries are inaccurate, unverifiable, or reported in violation of federal law : 1. Wrong Address Reporting XXXX XXXX XXXX, XXXX, TX XXXX Incorrect/ Not Associated With Me XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect/ Not Associated With Me These addresses are not mine and should not be connected to my credit profile. Reporting inaccurate addresses creates confusion and raises fraud risk. 

2. Accounts Reported With Errors XXXX ( Acct : XXXXXXXX XXXX XXXX  ) * * Reported as Late Payment. This account is inaccurate/unverifiable. 

XXXX XXXX ( Acct : XXXXXXXX XXXX ) * * Reported as Charge Off. I dispute this as inaccurate and unverifiable. 

XXXX XXXX ( Acct : XXXXXXXX XXXX  ) * * Reported as Charge Off. This reporting is erroneous. 

XXXX ( Acct : XXXXXXXX XXXX ) * * Reported as Late Payment. This is inaccurate. 

XXXX XXXX ( Acct : XXXXXXXX XXXX ) * * Reported as Charge Off. This information is inaccurate/unverified. 

XXXXXXXX XXXX ( Acct : XXXX ) * * Reported as Charge Off. This is not valid. 

XXXX XXXX ( Acct : XXXX XXXX  ) * * Reported as Charge Off. This reporting is in dispute. 

* * XXXX XXXX ( Acct : XXXX XXXX  ) Reported as Collection. This debt is unverified. 

XXXX ( Acct : XXXXXXXX XXXX  ) * * Reported as Collection. This reporting is not accurate. 

* * XXXX XXXX ( Acct : XXXX XXXX ) Reported as Collection. This is unverified. 

XXXX XXXX ( Acct : XXXX ) * Reported as Collection. This entry is inaccurate. 

XXXX XXXX ( Acct : XXXX ) * * Reported as Collection. This account is invalid/unverified. 

3. Improper Inquiry XXXX XX/XX/year> I did not authorize this inquiry. This constitutes a violation of my rights under the FCRA. 

My Rights Under the Law The FCRA ( 15 U.S.C. 1681 et seq. ) requires that all information furnished and reported about me must be accurate, complete, and verifiable. The above entries fail this standard. I have previously disputed these items directly with the credit reporting agencies and furnishers, but they have failed to provide proper validation or correct these errors, leaving me no choice but to escalate to the CFPB. 

These inaccuracies have : Lowered my credit score Interfered with my ability to obtain housing, credit, and employment Caused emotional and financial harm Requested Action I respectfully request that the CFPB : Investigate the above reporting errors. 

Compel the furnishers and credit bureaus to either provide proper verification of each item or delete the unverifiable/inaccurate information. 

Ensure that all future reporting complies fully with the FCRA and other consumer protection laws.

Company response to consumer: Closed with non-monetary relief