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:
Dear CFPB, I am writing to formally dispute multiple inaccuracies on my credit report that violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and related federal consumer protection laws. These inaccuracies include wrong addresses, charge-offs, collections, late payments, and unauthorized inquiries. I request immediate investigation, correction, or deletion of all disputed items. 
Wrong Address Entries : XXXX XXXX XXXX, XXXX, TX XXXX This address has been wrongly reported and is not associated with me. I have never resided here, and its appearance is damaging my credit report and identity integrity. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This is not my address and has been incorrectly listed, causing confusion and potential identity concerns. 
Account-Specific Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$270.00} I have no knowledge of this account being charged off. I dispute the legitimacy of this debt. The reporting of a charge-off here is inaccurate, misleading, and violates my rights under FCRA Sections 609 & 623. I request deletion unless proper verification is provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$500.00} The reported late payment is inaccurate. I have always paid on time. The reporting of late payments is false and must be corrected to reflect my accurate payment history under FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX dispute this charge-off as I have no record or knowledge of this account. Its reporting is false and should be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$0.00} This account is unknown to me. Reporting as charged-off is misleading, and deletion is requested unless validated with proper documentation. 
XXXX XXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX, Balance : {$0.00} I have never missed payments on this account. The reporting of late payment is incorrect and must be updated to reflect accurate history. 
XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX, Balance : {$0.00} This late payment report is false. I have paid as agreed, and this inaccurate reporting negatively impacts my creditworthiness. Correction is demanded under FCRA 611 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} I have no knowledge of this account. Reporting it as a charge-off is false, misleading, and damaging. Under FCRA Sections 609 & 623, I request deletion unless validated with proper documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$0.00} This charge-off is inaccurate. I dispute its validity and request immediate removal unless proof is provided. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} I do not recognize this account. Reporting a charge-off here is false and violates FCRA 611 ( a ). Deletion is requested. 
XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$410.00} I have never received notice or acknowledgment of this alleged debt. Its reporting as a collection is inaccurate and misleading. I request verification under FCRA 623 ( a ) or deletion if unverifiable. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$1400.00} I have no knowledge of this debt. Reporting it as a collection is false and damaging my creditworthiness. Corrective action is requested immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$700.00} This collection is unverified and unknown to me. Its presence on my report violates FCRA 623 and should be removed unless proven accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$420.00} I dispute this debt entirely. The reporting is false, misleading, and unjust. Deletion or proper verification is demanded. 
XXXX XXXX XXXX XXXX Collection Opened : XX/XX/XXXX, Balance : {$460.00} I have no knowledge of this account. Reporting it as a collection is false, misleading, and damaging. Under FCRA Sections 609 & 623, I request deletion unless proper validation is provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$200.00} This charge-off is incorrect. I dispute its legitimacy and request correction of my credit report under FCRA 611 ( a ). 
Unauthorized/Improper Inquiries : The following inquiries were made on XX/XX/XXXX ( and some on XX/XX/XXXX ) without my knowledge or consent. These inquiries are unauthorized and may violate FCRA 604 ( a ). I request that they be investigated and removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) These inquiries are harming my credit score and were made without authorization

. Immediate deletion or verification of legitimacy is requested. 
These inaccuracies have caused financial harm, emotional distres
s, and hindered my access to credit. I request that each disputed item be fully investigated, corrected, or deleted, and written confirmation of results be provided. Continued reporting of false information constitutes a violation of FCRA 616-617 and other applicable federal consumer protection statutes.

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief