Consumer complaint received 2025-06-06 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: OK

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint to report multiple inaccurate, misleading, and legally non-compliant entries on my credit report that are causing ongoing damage to my credit profile, mental health, and ability to maintain financial stability. I am requesting a full investigation and enforcement of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. 
Summary of Issues : 1. Incorrect and Fraudulent Addresses Listed On My Credit Report : These addresses are not associated with me and I have never resided at or been affiliated with them : o XXXX XXXX XXXX XXXX, XXXX, TX XXXX o XXXX XXXX XXXX, XXXX, OK XXXX o XXXX XXXX XXXX XXXX, XXXX, OK XXXX o XXXX XXXX XXXX, XXXX, OK XXXX These incorrect addresses are likely the result of mixed file errors or identity confusion and are in violation of the FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
Problematic Accounts Reported Inaccurately : 1. XXXX XXXX ( 2 accounts ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balances : {$1700.00} and {$3000.00} Issue : Repeated late payment reporting FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers of information must not report inaccurate or incomplete information. 
FCRA 605 ( a ) : Adverse information like late payments can not be reported beyond the legal time frame.

FDCPA 807 : Continued collection/reporting of inaccurate debts may constitute false representation.

2. XXXX XXXX XXXX Acct # : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$14000.00} Issue : Charge-off status not verified or validated despite multiple disputes FCRA 611 : Consumers have the right to dispute inaccurate information and receive verified results. 
CFPB Bulletin 2013-09 : Furnishers must conduct thorough investigations of disputes.

FDCPA 809 ( b ) : Debt collectors must provide proper validation upon request, which has not been done. 
Harm Caused : These inaccurate entries have : Severely lowered my credit score, affecting my ability to obtain housing, employment, and financial services. 
Caused emotional distress and anxiety due to unjust labeling as delinquent or high-risk. 
Persisted despite multiple disputes to the credit bureaus and furnishers, with no proper correction, reinvestigation, or validation provided. 
Request for Relief : I respectfully request that the CFPB take the following actions : 1. Investigate all the inaccurate account entries listed above.

2. Enforce the deletion of all wrong addresses from my credit report.

3. Require each data furnisher to provide complete validation or remove the inaccurate items.

4. Ensure compliance with all FCRA and FDCPA provisions by the reporting agencies and furnishers involved.

5. Provide a full summary of the resolution and any penalties imposed.

Summary of Violated Laws : FCRA 607 ( b ) Failure to maintain accurate reporting FCRA 611 Failure to investigate consumer disputes FCRA 623 ( a ) ( 1 ) Reporting false/incomplete information FDCPA 807 & 809 Deceptive practices and failure to validate debt CFPB Regulation V and UDAAP violations Unfair and deceptive acts/practices Thank you for your attention to this serious matter. I trust that the CFPB will protect my rights as a consumer and ensure that the entities involved are held accountable for their noncompliance and harmful reporting practices.

Company response to consumer: Closed with non-monetary relief