Consumer complaint received 2025-10-16 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 complaint regarding multiple inaccurate, unverifiable, and unauthorized items reported on my credit file by various furnishers and credit reporting agencies. These entries are damaging my creditworthiness and financial reputation. I request CFPB intervention under the Fair Credit Reporting Act ( FCRA 602 ( A ), 607 ( B ), 611 ( A ), 623 ( A ) ( 1 ) ( A ) ) to ensure these inaccuracies are corrected or deleted.

INCORRECT ADDRESSES REPORTED ( VIOLATION OF FCRA 607 ( B ) ) The following addresses listed on my credit report are completely inaccurate and have no connection to me, my identity, or my residence history. Reporting these addresses creates confusion and potential identity risk. I demand immediate removal of these addresses from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address These locations do not belong to me, and I have never resided or received mail at any of them. This inaccurate reporting violates FCRA 607 ( B ), which mandates credit bureaus to maintain accurate and verifiable data.

ACCOUNTS IN DISPUTE ( VIOLATION OF FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ) ) XXXX XXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} Once again, I dispute ownership of this account and request immediate verification. Without proof of a legitimate agreement, signature, or account history tying this to me, it must be deleted under FCRA 611 ( A ) as unverifiable information. 
XXXX XXXX XXXXXXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} I have never authorized or owned this account. This account should not appear on my credit file. XXXX XXXX must validate the debt with complete account records or have it removed per FCRA 623 ( A ) ( 1 ) ( A ). 
XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This entry is inconsistent and misleading, showing a charge-off with a {$0.00} balance. An account can not be simultaneously charged off and have no outstanding debt. This illogical reporting violates FCRA 607 ( B ) and should be deleted. 
XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX Balance Owed : {$750.00} I have no relationship or agreement with XXXX XXXX  I request documentation bearing my name, signature, and verified account information. If such proof can not be provided, delete this account immediately as it is unverifiable under FCRA 611 ( A ). 
XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX Balance Owed : {$480.00} This account appears to have been reported inaccurately. I have no record of this debt or any communication from XXXX XXXXXXXX XXXX regarding this alleged account. Reporting this false charge-off severely damages my reputation and violates FCRA 623 ( A ) ( 1 ) ( A ). 
XXXX XXXXXXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This reporting is completely inconsistent. An account with a {$0.00} balance can not be classified as charged-off. This misleading status should be corrected or deleted under FCRA 607 ( B ) and 611 ( A ). 
XXXX XXXXXXXX XXXX XXXX  Late Payment * * Date Opened : XX/XX/XXXX Balance Owed : {$310.00} This account shows an inaccurate late payment. I have never made any late payments toward this account, nor was I ever notified of any delinquency. Reporting a late payment without verified documentation or billing records violates FCRA 623 ( A ) ( 1 ) ( A ). Please review and correct this payment history immediately. 
XXXX XXXX XXXX XXXX * Late Payment * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account has been closed with a {$0.00} balance, yet it is showing late payments. Reporting delinquency on a {$0.00} balance account is misleading and inaccurate. Under FCRA XXXX ( B ), you must ensure data accuracy ; therefore, I request this late payment status be corrected. 
XXXX XXXX XXXXXXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX dispute the late payment status reported on this account. I have never missed a payment, and this account has long been paid in full. This is a reporting error that damages my credit history and must be fixed or deleted per FCRA 611 ( A ). XXXX XXXX XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} The late payment record here is false. I have always maintained timely payments, and no verified documentation has ever been provided to support this claim. This constitutes negligent reporting under FCRA 602 ( A ) and must be corrected immediately. 
XXXX XXXX XXXX XXXX * Late Payment ( Duplicate ) * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account appears to be a duplicate entry of another Conns account already listed. Duplicate reporting artificially inflates delinquency and misrepresents my payment history. Under FCRA 607 ( B ), duplicate or redundant data must be removed. 
XXXX XXXX XXXXXXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} I have no knowledge of this account or any unpaid balance owed to XXXX XXXX. This account is being falsely reported as charged-off without verification or documentation. Under FCRA XXXX ( A ) ( XXXX ) ( A ), unverifiable data must be deleted. 
XXXX XXXX XXXX XXXX * * Collection * * Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} I have no knowledge of this alleged collection account. This could be an instance of mistaken identity or unauthorized use of my personal information. Please remove this unverifiable account immediately per FCRA 602 ( A ) and 611 ( A ). 
XXXX XXXX XXXX XXXX Collection * * Date Opened : XX/XX/XXXX Balance Owed : {$740.00} This is a fraudulent or incorrect collection account. I have never received any validation or communication from XXXX XXXX. This violates FCRA XXXX ( A ) ( XXXX ) ( A ) and must be deleted unless verified with original creditor documentation. 
XXXX XXXX XXXX XXXX Collection * * Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} XXXX dispute this debt completely. No proof of ownership, contract, or billing statements have ever been provided. Reporting unverifiable collection accounts constitutes a serious FCRA violation. This item must be deleted immediately. 
XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account shows a charge-off with a XXXX balance, which is contradictory and inaccurate. Either the debt was paid or settled in either case, reporting a charge-off is improper under FCRA 607 ( B ) and should be deleted. 
XXXX XXXX XXXX XXXX Collection * * Date Opened : XX/XX/XXXX Balance Owed : {$910.00} I have no record or contract related to this collection account. I request full validation including original creditor details, agreement, and payment history. If such proof can not be provided, delete this entry under FCRA 611 ( A ). 
XXXX POLICE Charge Off Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} I have no knowledge or association with this alleged account. This charge-off appears fraudulent or misreported, as I have never entered any financial agreement with this entity. I demand full documentation including signed contracts or payment records. If such proof can not be provided, this account must be deleted under FCRA 611 ( A ) and 623 ( A ) ( 1 ) ( A ).

UNAUTHORIZED OR EXCESSIVE INQUIRIES The following inquiries were not authorized by me. I have not provided written consent to these institutions to access my credit file. Under FCRA 604 ( A ) ( 2 ), a permissible purpose is required for any inquiry. I therefore demand removal of the following unauthorized inquiries from my report : XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry Each of these inquiries must be verified with documented proof of authorization bearing my name and signature. If such verification can not be produced, you are required to delete these entries immediately under FCRA 611 ( A ) and 604 ( A ) ( 2 ).

Relief Requested I request CFPB to investigate and ensure that : 1. All disputed accounts are fully verified or deleted.

2. All unauthorized inquiries are removed from my credit report.

3. Written confirmation and an updated credit report are provided to me.

4. Any furnisher or credit bureau found violating the FCRA is held accountable.

These inaccurate and unverifiable accounts are negatively impacting my ability to obtain credit, loans, and other financial services. I am requesting CFPB action to resolve this matter promptly.

Company response to consumer: Closed with non-monetary relief