Consumer complaint received 2025-08-28 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 submitting this formal complaint against several credit reporting agencies and furnishers for knowingly reporting inaccurate, unverifiable, and incomplete information on my credit file. These actions have directly violated my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and relevant CFPB guidelines. 
The following accounts and addresses are being wrongfully reported : Addresses XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Issue : Wrong Address Law : FCRA 607 ( b ) Story : I have never lived at this address nor have I had any connection to it. Including this false residence in my credit file links me to individuals and accounts I do not know, creating a risk of mistaken identity and even potential fraud. This misinformation makes lenders question my identity and places me at a disadvantage compared to other borrowers with accurate histories. 
Accounts XXXX XXXXXXXX High Balance {$2300.00} Opened XX/XX/XXXX Issue : Charge Off Law : FCRA 609 & 611 ; FDCPA 807 Story : This account is reported as a charge-off without any proof of ownership or proper validation. No documentation has ever been provided tying me to this alleged obligation. Reporting unverifiable derogatory information is not only inaccurateit causes lenders to see me as high-risk and unfairly punishes me financially. 
XXXX XXXX XXXX XXXXXXXX High Balance {$1000.00} Opened XX/XX/XXXX Issue : Charge Off Law : FCRA 611 ; FDCPA validation requirements Story : This charge-off reporting has never been validated. By law, you can not continue reporting disputed debts without verifying accuracy. Yet, it remains, unfairly lowering my creditworthiness and denying me financial opportunities. 
XXXX XXXX XXXX XXXXXXXX High Balance {$1200.00} Opened XX/XX/XXXX Issue : Charge Off Law : FCRA 607 ( b ) Story : This is a duplicate entry of the previous First Premier account. Double reporting is deceptive and artificially inflates derogatory information. Lenders reviewing my file wrongly believe I had multiple defaults when in fact it is one account being reported twice. 
XXXX XXXX XXXX XXXX Balance {$800.00} Opened XX/XX/XXXX Issue : Late Payment Law : FCRA 607 ( b ) & 611 Story : This entry shows late payments without validation or supporting evidence. False delinquency reporting paints me as careless with obligations when the truth has not been established. 
XXXXXXXX XXXX XXXX XXXX  High Balance {$15000.00} Opened XX/XX/XXXX Issue : Charge Off Law : FCRA 607 ( b ) Story : This charge-off remains unverifiable. Without proper validation, this entry unfairly discredits my financial responsibility. 
XXXX XXXX High Balance {$1100.00} Opened XX/XX/XXXX Issue : Late Payment Law : FCRA 607 ( b ) Story : This late payment is reported without proof. Such inaccurate entries unfairly suggest instability where none exists. 
XXXXXXXX XXXX XXXX XXXX High Balance {$3500.00} Opened XX/XX/XXXX Issue : Late Payment Law : FCRA 607 ( b ) Story : This reporting is inaccurate and harmful. My record is being damaged without verified evidence. 
XXXXXXXX XXXX XXXX XXXXXXXX High Balance {$43000.00} Opened XX/XX/XXXX Issue : Late Payment Law : FCRA 607 ( b ) Story : This reporting remains unproven. Without validation, this account can not lawfully remain on file. 
XXXXXXXX XXXX XXXX XXXX High Balance {$3600.00} Opened XX/XX/XXXX Issue : Late Payment Law : FCRA 607 ( b ) Story : This is inaccurate reporting. It must be reinvestigated and corrected in compliance with federal law. 
XXXX XXXX XXXX XXXX High Balance {$1200.00} Opened XX/XX/XXXX Issue : Collection Law : FDCPA 809 ; FCRA 607 ( b ) Story : XXXX XXXX is a debt collector and must validate this debt. No validation has been provided. Reporting without proof violates both FDCPA and FCRA. 
XXXX XXXX XXXX XXXX High Balance {$1100.00} Opened XX/XX/XXXX Issue : Collection Law : FCRA 607 ( b ) Story : This is a duplicate entry from XXXX XXXX. Duplicate derogatories are not only misleading but also illegal under federal law. 
XXXX XXXX XXXX High Balance {$1300.00} Opened XX/XX/XXXX Issue : Collection Law : FDCPA validation requirement Story : This alleged debt has not been validated. Continuing to report it violates both FDCPA and FCRA requirements. 
Inquiries XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ) Story : I did not authorize this inquiry. Unauthorized pulls lower my score and expose me to privacy violations.

DEMAND FOR RELIEF I request that CFPB : 1. Investigate these violations and hold the CRAs and furnishers accountable.

2. Order immediate deletion of the wrong addresses and unverifiable accounts.

3. Ensure compliance with FCRA and FDCPA to prevent further harm.

4. Provide me with a written resolution of this complaint.

These errors are not only damaging my credit but also causing mental distress, loss of financial opportunities, and reputational injury. Continued failure to correct this inaccurate reporting constitutes willful noncompliance under FCRA 616, which allows for civil liability.

Company response to consumer: Closed with non-monetary relief