Consumer complaint received 2025-10-13 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 with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains inaccurate addresses, incorrect late payment information, and unauthorized inquiries. These errors violate my consumer protection rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). The credit reporting agencies and furnishers have failed to conduct a lawful reinvestigation and continue to report unverifiable and false data that damages my creditworthiness. I am requesting CFPBs direct intervention to enforce federal compliance and ensure full correction or deletion of these items. 


ADDRESSES XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is not associated with any legitimate credit file of mine. Reporting of this location without verification is a violation of FCRA 607 ( b ) as it fails the accuracy requirement. I never authorized any entity to link my profile to this address, and no valid account has ever been opened from there. 

XXXX XXXX XXXX XXXXXXXX, TX XXXX This is also an incorrect and unverifiable address. Continuing to report this false address damages my credit profile and privacy. As per 15 U.S.C. 1681c, consumer reporting agencies are obligated to remove inaccurate and obsolete personal data that could mislead potential creditors. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * This account has been reported as a charge-off even though the balance is zero, which directly violates FCRA 607 ( b ) and 611 ( a ). A zero balance can not logically exist with a charge-off status. This misreporting portrays a false delinquency and affects my creditworthiness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * This account reflects late payments despite showing a zero balance. This reporting error contradicts FCRA 602 ( A ) requiring fair and accurate credit representation. The alleged delinquency must be removed as there is no verifiable proof of missed payments. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * This charge-off is entirely inaccurate as this account was never in default. Reporting false charge-offs without supporting records violates 611 of the FCRA and 623 ( a ) ( 1 ) ( A ), which strictly prohibit furnishing inaccurate data. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Reporting this account as charged off despite a zero balance constitutes a false derogatory entry. According to FCRA 602 and 607 ( b ), only verified information may remain on file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * This item is being reported as a charge-off with no valid balance or proof of default. Under FCRA 611, unverifiable negative items must be deleted within the reinvestigation period. 

XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} * * This late payment entry is unsubstantiated and misrepresents my payment history. The FCRA 623 ( a ) ( 2 ) prohibits furnishing incomplete or inaccurate data. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} * * This account should not appear as a charge-off. The furnisher has failed to maintain verifiable documentation, violating the accuracy requirements under XXXX ( b ) of the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * The same entity is reporting a second charge-off under identical terms, indicating duplicate and unverifiable reporting in violation of 602 ( A ). 

XXXX XXXX * Date Opened : XX/XX/XXXX XXXX XXXX : {$690.00} * * This alleged debt is inaccurate and unverified. XXXX XXXX XXXX is known to report unverifiable debts, and under 809 ( b ) of the FDCPA and 611 of the FCRA, this account must be deleted unless verified with original documentation. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$460.00} * * This debt collection entry is unverifiable and violates my rights under 609 and 611 of the FCRA. The reporting entity has not provided evidence of my authorization or agreement. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$150.00XXXX XXXX XXXX XXXXXXXX has misreported this account as a charge-off without valid documentation. This reporting violates 607 ( b ) requiring maximum possible accuracy. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$420.00} * * This charge-off entry is completely inaccurate and unverifiable. Under 602 ( A ) of the FCRA, unverified accounts must be removed immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * This reporting is inaccurate since a zero balance can not be a charge-off. Such false reporting violates 607 ( b ) of the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$940.00} * * This collection account is being reported without proof of validation, in violation of 809 ( b ) of the FDCPA and 611 of the FCRA. The furnisher has not provided original signed agreements or statements. 

Federal Reference # XXXX Bankruptcy This bankruptcy reference is entirely false and damaging. I have never filed for bankruptcy. Reporting this constitutes a major FCRA violation under 605 ( a ) ( 1 ), which strictly limits bankruptcy data reporting to verified cases only. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. Under XXXX ( a ) ( XXXX ) of the FCRA, a consumer reporting agency XXXX not furnish a report without written conent. 
XXXX XX/XX/XXXX Unauthorized hard inquiry. This violates FCRA 604 ( a ) ( 3 ) ( A ) which requires permissible purpose. 
XXXX XX/XX/XXXX This inquiry was made without consent or permissible purpose under FCRA 604. 
XXXX XX/XX/XXXX Unauthorized inquiry and no credit application initiated by me. 
XXXX XX/XX/XXXX Unauthorized inquiry and failure to verify permissible purpose under 604. 
XXXX XX/XX/XXXX I never applied for credit here ; therefore, this inquiry is illegal under 604. 
XXXX XX/XX/XXXX This is a fraudulent inquiry that must be removed immediately. 
TD/TARGET 06/XX/XX/XXXX I did not authorize this inquiry ; continued reporting is unlawful. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry violating 604 ( a ) ( XXXX ). 
XXXX XX/XX/XXXX XXXX made without my consent and must be deleted immediately. 
XXXX XX/XX/XXXX This entity had no permissible purpose to access my credit file. 
XXXX XX/XX/XXXX Repeated unauthorized inquiry causing harm to my score. 
XXXX XXXX CO XX/XX/XXXX This inquiry was never initiated or permitted by me and must be removed under FCRA 604 .

The repeated violations by furnishers and credit bureausthrough false addresses, inaccurate late payments, and unauthorized inquiriesrepresent clear noncompliance with FCRA 602, 607, 611, and 623. I am asking the Consumer Financial Protection Bureau to conduct a thorough investigation, require the deletion of all unverifiable and inaccurate data, and enforce accountability against the credit reporting agencies and furnishers responsible for these violations.

Company response to consumer: Closed with non-monetary relief