Consumer complaint received 2025-10-08 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 submitting this formal complaint regarding multiple inaccuracies on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I demand immediate investigation, correction, and/or deletion of the following items due to errors, fraudulent reporting, and misrepresentation XXXX XXXX XXXX XXXX, TX XXXX XXXX Address This address has never been associated with me in any way. I have never lived, rented, or conducted any financial transactions at this location. The appearance of this address on my credit report is completely inaccurate and misrepresents my personal information. It raises serious concerns about identity accuracy and potential fraud. Reporting this address violates my rights under FCRA 611 ( a ) ( 1 ) to have accurate personal information and could mislead lenders, landlords, and other entities who rely on my credit report for decision-making XXXX XXXX XXXX XXXX TX XXXX XXXX Address This address is also not mine, nor have I ever had any connection with it. Its inclusion on my report is erroneous and damaging. I have never received any mail, statements, or notices at this location. Such inaccurate reporting affects my creditworthiness, potentially leading to denial of loans or services. FCRA requires that my credit file reflect only correct information, and I demand immediate correction XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX Late payment I have never missed a payment on this account. The reporting of late payments is completely inaccurate. I have always maintained on-time payments as reflected in my bank records. FCRA 623 ( a ) ( 1 ) ( A ) requires that all information be accurate, and reporting false late payments is misleading, damaging, and could harm my ability to obtain credit in the future. I demand immediate correction of this accounts status XXXX XXXX  XXXX XXXX * High Balance : {$310.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account. I have never opened, authorized, or received any communication regarding it. The reporting of a charge-off on an account I never opened is fraudulent and violates FCRA 611 ( a ) and FDCPA 809 ( b ). This false reporting can severely impact my credit score and financial reputation. I demand immediate deletion and investigation into how this account appeared on my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$260.00} Date Opened : XX/XX/XXXX Late payment I have always paid this account on time. Reporting it as late is false and misleading. Such inaccuracies misrepresent my credit behavior to lenders and violate FCRA guidelines. Accurate reporting is legally required, and I demand immediate correction of the account history to reflect my true payment behavior XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$430.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account. It was never opened or authorized by me. Reporting a charge-off on an unknown account is fraudulent and violates federal law under FCRA and FDCPA. Such reporting can cause severe financial harm and must be immediately removed from my credit report XXXX  XXXX High Balance : {$35000.00} Date Opened : XX/XX/XXXX Charge Off I have never authorized or used this account. Reporting it as a charge-off is entirely false and fraudulent. Its presence on my credit report could lead to denial of credit and other financial consequences. FCRA 623 and FDCPA 808 protect consumers from such false reporting. Immediate deletion is required XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$400.00} Date Opened : XX/XX/XXXX Charge Off I dispute this account completely. I have never engaged with this creditor, nor authorized this account. Reporting it as a charge-off is inaccurate and fraudulent, causing unwarranted damage to my credit history. Under FCRA and FDCPA, I demand deletion and correction of all information related to this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off I have never opened or authorized this account. Its reporting is false, misleading, and violates both FCRA and FDCPA. False reporting of large amounts can severely harm my credit score and financial reputation. Immediate removal from my credit report is required to prevent further harm SPRINGOAKS XXXX * High Balance : {$100.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account. It is being reported as a collection in error and may be fraudulent. Such reporting is inaccurate and damaging. Under FCRA 611 ( a ), I demand deletion of this account to ensure my credit report accurately reflects my financial obligations XXXX XXXX XXXX XXXXXXXX High Balance : {$340.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account and have never authorized or received any communication regarding it. Reporting it as a collection is completely inaccurate and potentially fraudulent. Under FCRA 611 ( a ) and FDCPA 809 ( b ), I demand immediate deletion. The presence of this account damages my credit score, misrepresents my financial history, and could unfairly affect my ability to obtain credit or services XXXX XXXXXXXX XXXX XXXXXXXX * High Balance : {$6900.00} Date Opened : XX/XX/XXXX Collection I have never engaged with this creditor or authorized any account. The reporting of this account as a collection is fraudulent and has caused unwarranted damage to my credit history. FCRA and FDCPA mandate that inaccurate accounts be corrected or deleted, and I demand immediate action I demand that the Consumer Financial Protection Bureau investigate these inaccuracies, compel the credit reporting agencies to correct or delete the disputed items, and provide written confirmation of resolution. Continued reporting of these inaccurate and fraudulent accounts constitutes ongoing violation of my consumer rights under federal law

Company response to consumer: Closed with non-monetary relief