Consumer complaint received 2025-10-24 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:
To Whom It May Concern, I am filing this formal complaint against the reporting of inaccurate and unauthorized information that has severely affected my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite multiple attempts to have these inaccuracies corrected through proper dispute procedures, the listed entities have failed to provide verification, documentation, or lawful compliance as required by federal law. These continued violations have caused emotional distress, financial hardship, and damage to my creditworthiness. 

ADDRESS XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX This address is incorrect and should not be listed on my report. It is unrelated to my verified residency, and retaining it creates confusion and privacy concerns under FCRA 602 ( a ). 

ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account is showing a late payment with no balance owed. Reporting lateness on a {$0.00} balance is inaccurate and misleading. Under FCRA 1681e ( b ) and 1681i, unverifiable payment history must be corrected or deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$220.00} I have never been provided any documented verification or signed contract proving I was late. Reporting such without supporting records violates FCRA 609 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This charge-off shows a zero balance, meaning the debt was either sold, settled, or canceled. Continuing to report a charge-off after resolution violates 1681c ( a ) ( 4 ) and 1681s-2 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} This account was reported inaccurately as charged off with no proof of validation. Reporting unverifiable negative data without documentation violates FCRA 611 ( a ) and 15 U.S.C. 1681b. 

XXXX XXXX XX/XX/XXXX Unverified duplicate inquiry must be removed. 

XXXX XX/XX/XXXX Unauthorized inquiry under FCRA 604. 

XXXX XX/XX/XXXX Inquiry performed without permissible purpose. 

XXXX XX/XX/XXXX Unauthorized access to my credit report. 

XXXX XX/XX/XXXX Duplicate and unauthorized inquiry in violation of 604 ( a ). 

XXXX XXXXXX/XX/XXXX Inquiry conducted without my authorization, violating federal law.

I am requesting that the CFPB conduct a full investigation into these violations and ensure compliance from all involved entities. These actions represent an abuse of the credit reporting system and disregard for the consumers right to accuracy, fairness, and privacy as guaranteed under federal law. Continued reporting and unauthorized access have caused undue harm to my credit reputation and financial stability.

I respectfully request the removal of all unverifiable, inaccurate, or unauthorized data mentioned above, and demand confirmation in writing once the investigation is complete.

Company response to consumer: Closed with non-monetary relief