Consumer complaint received 2025-06-05 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against multiple credit reporting agencies and data furnishers for the inaccurate and unlawful reporting of my personal credit information, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Summary of Issues : Despite my repeated efforts to resolve these errors through direct disputes, these inaccuracies continue to negatively affect my credit profile, causing me substantial harm including denial of credit, increased interest rates, and emotional distress. I demand a full investigation and immediate correction under the authority of FCRA 602, 611, and 623, as well as FDCPA 807 where applicable. 
INCORRECT ADDRESSES BEING REPORTED : These addresses are not associated with me and are appearing inaccurately on my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrong Address Violation of FCRA XXXX ( b ) : Inaccurate personal identifying information must not be included in a consumers file or distributed by credit bureaus. 
ACCOUNT-SPECIFIC COMPLAINXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$4700.00} Issue : Repeated Late Payments Complaint : These late payments are inaccurate and unverifiable. I requested validation from the furnisher and credit bureaus under FCRA 611, but they failed to provide proof. This is a violation of my right to dispute incomplete or inaccurate information.

Legal Violations : o FCRA 611 Failure to investigate o FCRA 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors o FCRA XXXX ( B ) Failure to maintain accurate data integrity XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : Not disclosed Issue : Charge-Off Complaint : This account is listed as a charge-off, but I have not received proper notification or any lawful validation of debt. The debt has not been verified per FCRA or FDCPA requirements. 
Legal Violations : o FCRA 611 Inadequate reinvestigation o FCRA 623 ( a ) ( 3 ) Duty to correct and update inaccurate information o FDCPA 807 ( 8 ) False representation of credit information XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : Not disclosed Issue : Duplicate Charge-Off Complaint : This appears to be a duplicate of the above account, reported twice with different account numbers. This is deceptive and misleading.

Legal Violations : o FCRA 623 ( a ) ( 5 ) Reporting duplicate tradelines o FCRA 602 ( B ) Maintaining misleading information o FDCPA 807 ( 2 ) Misrepresenting character or legal status of debt 4. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$8100.00} Issue : Collection Account Complaint : This debt is inaccurate, unverifiable, and I never received a proper validation notice. Reporting this collection without verification or prior notice violates my rights under the FDCPA. 
Legal Violations : o FDCPA 809 ( a ) Failure to validate debt within 5 days of contact o FCRA 623 ( a ) ( 1 ) Reporting unverifiable information o FCRA 611 ( a ) Failure to properly investigate dispute REQUESTED RESOLUTION : I respectfully request the CFPB to : 1. Conduct a full investigation into these violations.

2. Order the deletion of all inaccurate addresses and disputed tradelines from all three credit bureaus ( Equifax, Experian, TransUnion ). 
XXXX. Compel the furnishers ( CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to provide full documentation or permanently delete the disputed accounts. 
XXXX. Ensure that my rights under the FCRA and FDCPA are enforced with full corrective action. 
I am attaching my ID, proof of current address, and any relevant documentation. I expect a resolution in accordance with federal consumer protection laws

Company response to consumer: Closed with explanation