Consumer complaint received 2025-08-09 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: MO

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint to report serious and repeated violations of my consumer rights by credit reporting agencies and data furnishers. The following inaccurate and damaging items are being reported on my credit file despite being false, unverifiable, or outright misrepresented. I have disputed these items multiple times, but they continue to remain on my credit report without correction or resolution. 
WRONG ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, MO XXXX Issue : Fraudulent/incorrect address ; no residency or credit linkage. 
XXXX : FCRA 611 ( a ) ( Reinvestigation Requirement ). 
XXXX : This address appearing on my report suggests potential errors in your identity-matching process, creating risks of misinformation and wrongful credit decisions. 

WRONG / INACCURATE ACCOUNT ENTRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$9600.00} Charge Off Issue : Duplicate reporting of same account under different reference numbers inflates debt burden. 
Law : FCRA 607 ( b ) and 611 ( Maximum Accuracy and Reinvestigation ). 
Story : Duplicate tradelines cause artificial score reduction and mislead lenders about my credit risk. This is prohibited under consumer reporting standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$50.00} Collection Issue : Debts under {$100.00} are often excluded from scoring models and this entry lacks validation. 
Law : FDCPA 809 ( b ) ( Debt Validation Requirement ).

Story : Collection agency has failed to provide proof of debt ownership or authorized assignment from original creditor. Without validation, this is unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$220.00} Collection Issue : No original documentation proving the validity of debt or my liability. 
Law : FDCPA 807, 809, FCRA 611. 
Story : Reporting a collection without proof or verification is a violation. This needs immediate removal. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$870.00} Late Payment Issue : Payment history discrepancies ; no evidence to support alleged late payments. 
Law : FCRA 623 ( a ) ( 1 ) and FCRA 611. 
Story : Reviewing my bank statements reveals no missed payments in months you are reporting delinquencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$6000.00} Charge Off Issue : Amount and date of charge-off inconsistent with original creditors statements.

Law : FCRA 607 ( b ), FDCPA 807. 
Story : Reported balance may include illegal fees and interest beyond contractual terms. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$210.00} Late Payment Issue : Inaccurate late payment history ; no proof of delinquency provided. 
Law : FCRA 623 ( a ) and 611, FDCPA 807 ( 8 ).

Story : This error negatively impacts payment history category, which is XXXX XXXX of XXXX scoring. 

UNAUTHORIZED / UNVERIFIED HARD INQUIRIES XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized hard inquiry without permissible purpose.

Law : FCRA 604 ( a ), 616, 617.

Story : I never applied for credit with this company ; inquiry damages my score and may indicate data misuse. 

Requested Relief : I am requesting CFPB 's immediate assistance to enforce my consumer rights and demand that the credit reporting agencies : XXXX. Delete the wrong addresses from my credit report. 
XXXX. Remove all inaccurate and duplicate accounts, especially from XXXX XXXX. 
XXXX. Update all accounts reflecting incorrect charge-offs and late payments, particularly where hardship or resolution existed. 
XXXX. Provide evidence of proper investigation and validation from data furnishers or delete the entries. 
XXXX. Ensure that all information on my credit file complies with FCRA, FDCPA, and all relevant consumer protection laws.

Company response to consumer: Closed with non-monetary relief