Consumer complaint received 2025-09-08 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:
This is a formal complaint filed under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681c ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). I am demanding immediate investigation, correction, and removal of all inaccurate, outdated, and unverifiable account information listed below. The continued reporting of these accounts constitutes willful non-compliance, negligence, and violation of my consumer rights. 
Wrong Address Issues ( Identity/Reporting Errors ) : XXXX XXXX XXXX XXXX, TX XXXX XXXX Address. I have never lived, worked, or been associated with this location. Reporting this address falsely attaches me to an identity I do not recognize. This has created confusion during applications where my identity verification has failed because creditors see addresses that do not belong to me. This also raises serious concerns about potential mixed files or identity theft, and the credit bureaus are legally required under FCRA 607 ( b ) to ensure maximum possible accuracy, which has not been followed here. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address. I have no connection to this apartment and never received mail, billing statements, or any official documents tied to this address. This error causes lenders to suspect instability in my profile, unfairly lowering my chances of approval. Such misreporting is damaging not just financially but emotionally, creating unnecessary distress and mistrust of the credit reporting process. 
Account Issues : XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$370.00} Date Opened : XX/XX/XXXX Reported as Charge Off. This is inaccurate, misleading, and unverifiable. No original signed contract, billing history, or payment records have been produced to justify this derogatory mark. A charge off for such a small balance is severely disproportionate and damaging, preventing me from obtaining fair credit. This reporting violates FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting information known to be inaccurate. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Reported with Late Payments. This account has been reported with errors that were never validated. The negative history makes it appear that I am an irresponsible borrower, which is untrue. This has directly affected my ability to secure rental housing and lines of credit. The failure to investigate properly is a violation of FCRA 602 ( A ), which requires consumer reports to be fair and accurate. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Reported with Late Payments. These late payments are false and unverified. XXXX XXXX has failed to provide any original account records. This is lowering my credit score unfairly and causing ongoing financial harm. The reporting is not in compliance with FCRA 607 ( b ) which requires maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$690.00} Date Opened : XX/XX/XXXX Reported with Late Payments. This account reporting is inaccurate and misleading. I never received proper notices or billing statements to substantiate the claim of late payments. The effect of this negative reporting is significant, as it falsely portrays me as financially irresponsible, damaging my reputation with future creditors. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$100.00} Date Opened : XX/XX/XXXX Reported with Late Payments. The account balance itself is extremely low, yet the late payment reporting is causing disproportionate harm to my creditworthiness. This error affects my ability to obtain even basic credit opportunities. It is unacceptable that such an unverified and trivial account can damage my entire credit file. This violates FCRA 611 which mandates proper reinvestigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$340.00} Date Opened : XX/XX/XXXX Reported with Late Payments. This account is inaccurately damaging my profile, lowering my score, and preventing me from obtaining fair financing. XXXX has not provided any validation documents. This false negative history is a violation of my rights under FCRA 609 and also reflects unfair reporting practices prohibited by the FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$470.00} Date Opened : XX/XX/XXXX Reported as Charge Off. This account is outdated, unverifiable, and inaccurate. The continued reporting of a charge off without proof of original signed documentation violates FCRA XXXX ( a ) which prohibits obsolete information. This false reporting portrays me as high risk and has directly harmed my credit opportunities, causing repeated denials. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$34000.00} Date Opened : XX/XX/XXXX Reported as Charge Off. This is a substantial account that I dispute entirely. No verified documentation, account statements, or original contracts have been provided. The negative reporting has directly caused multiple loan denials, created obstacles in housing applications, and falsely portrays me as financially irresponsible. This constitutes negligent reporting under FCRA 607 ( b ) and unfair credit practices prohibited by federal law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Reported as Charge Off. I have not received proper account validation or proof of default. Reporting such a high balance as Charge Off without verification severely impacts my creditworthiness and financial reputation. This is a violation of FCRA 611 regarding reinvestigation of disputed accounts, and 609 ( a ) ( 1 ) which requires furnishers to provide proper verification upon dispute. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Reported with Late Payments. These late payments are inaccurate, unverified, and damaging to my credit profile. The account reporting makes it appear that I am chronically delinquent, which is false. This misreporting has affected my ability to obtain new credit lines, increased interest rates on existing accounts, and caused unnecessary stress. This violates FCRA 607 ( b ) ensuring maximum accuracy in reporting. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Reported with Late Payments. I dispute these late payments entirely. No proper account history or validation has been provided. The reporting of these outdated delinquencies harms my credit score decades later, which is unfair, misleading, and in violation of FCRA 605 ( a ) prohibiting obsolete reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Reported with Late Payments. This account is decades old and unverifiable, yet it continues to negatively impact my credit profile. Reporting such stale and inaccurate information is unlawful under FCRA 605 ( a ) and constitutes willful negligence. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Reported with Late Payments. These entries are outdated and inaccurate. Continuing to report these late payments misrepresents my financial behavior and has caused repeated denials and higher interest rates on legitimate credit applications. This violates FCRA 611 and demonstrates a failure by the furnisher to maintain accurate records. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$500.00} Date Opened : XX/XX/XXXX Reported with Late Payments. The reporting is outdated, unverifiable, and damaging. It creates a false impression of chronic delinquency. This violates FCRA 607 ( b ) and 609 ( a ) ( 1 ) regarding verification and consumer rights to accurate reporting. 
XXXX  XXXXXXXX XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX Reported with Late Payments. This account reporting is unverified and inaccurate, creating long-term harm to my financial reputation. The negative impact includes higher insurance rates, mortgage denials, and emotional distress. Reporting such outdated accounts violates FCRA 605 ( a ) and constitutes negligent reporting. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute the validity of this account. No verification or original account documentation has been provided. Reporting this collection falsely portrays me as delinquent and directly harms my creditworthiness. This violates FCRA 623 ( a ) ( 1 ) ( A ) prohibiting furnishers from reporting information known to be inaccurate and FCRA 607 ( b ) which requires maximum accuracy. The effect includes loan denials, higher interest rates, and emotional distress. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Reported as Collection. This account reporting is inaccurate and unverifiable. No account-level documentation has been provided. The negative reporting falsely suggests financial irresponsibility, affecting my ability to obtain mortgages and auto financing. This is a violation of FCRA 609 ( a ) ( 1 ) and 611 requiring reinvestigation of disputed accounts. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$300.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this collection as inaccurate and unverified. Reporting such small, unverifiable collections misrepresents my credit history and causes undue damage. This constitutes negligent reporting under FCRA 607 ( b ) and unfair credit reporting practices. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$13000.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this account in full. No proof or validation has been provided, yet it continues to appear on my credit report. The large balance reporting creates an undue negative impression, limiting my ability to obtain fair credit and creating emotional and financial stress. This violates FCRA 611 and 623. 
XXXX XXXX * * * High Balance : {$890.00} Date Opened : XX/XX/XXXX Reported as Collection. This account reporting is inaccurate, unverified, and damaging to my credit. It has caused repeated loan denials and misrepresentation of my financial reliability. Reporting of this unverified account is unlawful under FCRA 607 ( b ). 
XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$370.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this account as inaccurate. The negative reporting is false and unverifiable, directly harming my creditworthiness. Such negligent reporting violates FCRA 609 ( a ) ( 1 ) and 611. 
XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1500.00} Date Opened : XX/XX/XXXX Reported as Collection. This account is unverified and inaccurate. The reporting misleads lenders and has caused tangible harm in mortgage and auto loan applications. The furnisher has failed to comply with FCRA 611 regarding reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2600.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this account entirely. No supporting documentation has been provided, yet it damages my credit history, falsely portraying me as a high-risk borrower. This violates FCRA 607 ( b ) and 623. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute the validity of this account. No verification or original documentation has been provided. Reporting this collection falsely portrays me as delinquent and directly harms my creditworthiness. The impact includes loan denials, higher interest rates, and emotional distress. This violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) which require maximum possible accuracy. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this account as inaccurate and unverified. Reporting this collection misrepresents my financial history, causing denials for credit opportunities and increased borrowing costs. Such reporting is unlawful under FCRA XXXX regarding reinvestigation of disputed accounts. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$3600.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this account entirely. No proper validation, billing statements, or signed documentation has been provided. The negative reporting is harming my credit score and creating financial stress. This violates FCRA 609 ( a ) ( 1 ) and 607 ( b ) regarding accuracy and verification. 
Unknown Account XXXX48 * * * * High Balance : {$1100.00} Date Opened : XX/XX/XXXX Reported as Collection. I have no knowledge of this account and dispute its validity completely. Reporting unknown accounts misrepresents my credit history, causes denials for loans, and emotional distress. This violates FCRA 607 ( b ), 609, and 611 regarding verification and accuracy.

Story/Background : All the accounts listed above are inaccurately damaging my credit standing. Many accounts are duplicates, outdated, unverified, or entirely unknown to me. These false or misleading reports have caused repeated denials for credit cards, mortgages, auto loans, and other financial services. The negative reporting creates a false impression that I am financially irresponsible, which is untrue. The impact includes financial harm in terms of higher interest rates, denied loans, and emotional stress. The credit reporting agencies and furnishers have failed to maintain accurate, fair, and verifiable records, violating federal law.

Demand for Resolution : I demand that the CFPB take immediate action to : 1. Investigate all the above accounts and enforce deletion of any inaccurate, unverifiable, or duplicate entries.

2. Ensure permanent removal of any accounts that can not be fully validated.

3. Require furnishers to comply with FCRA 611, 609, 607, and 623, guaranteeing maximum possible accuracy.

Failure to comply will result in pursuing legal remedies under FCRA 616 ( civil liability for willful noncompliance ) and 617 ( civil liability for negligent noncompliance ).

Company response to consumer: Closed with non-monetary relief