Consumer complaint received 2025-11-03 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 file a formal complaint regarding inaccurate and unauthorized information being reported and mishandled on my consumer credit profile. The listed items below are severely affecting my creditworthiness and violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request your immediate assistance in investigating, correcting, and holding the responsible parties accountable for their noncompliance with federal law. 

ADDRESSES XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX These addresses are inaccurate and were never associated with any verified or legitimate credit account belonging to me. Reporting of such false addresses constitutes a clear violation of FCRA 607 ( B ), which mandates credit bureaus to maintain procedures to assure maximum accuracy of consumer information. Allowing unverified or obsolete addresses can misrepresent identity, create confusion during credit reviews, and expose me to potential identity fraud. Therefore, I request that these addresses be permanently removed from my credit report. 

ACCOUNTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * This account was reported as a charge-off even though no outstanding balance exists. Reporting an account with a {$0.00} balance as charged-off misleads creditors and violates FCRA 602 ( A ) and 607 ( B ). The Fair Credit Billing Act also protects consumers from false billing representations, and this inaccurate reporting creates a misleading impression of delinquency. I demand immediate reinvestigation and deletion of this entry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Chargeoff * * This account was never verified with original documentation showing a lawful debt assignment or my authorization. Reporting this unverified charge-off violates FCRA 611 ( A ) requiring complete verification of disputed information. Furthermore, FDCPA 807 ( 8 ) prohibits reporting false or misleading credit information. I request that this unverified account be removed immediately for failure to comply with lawful validation requirements. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Collection * This alleged collection account was reported without any validation notice or proof of ownership by a legitimate debt collector. Failure to provide notice and proof violates FDCPA 809 ( A ) and FCRA 611 ( A ). Reporting a collection without verified contractual evidence also breaches the accuracy obligations under FCRA 607 ( B ). I demand deletion of this account as it is unverified and unlawfully reported. 

I respectfully request that the CFPB investigate these issues, ensure that all inaccurate and unauthorized items are permanently deleted from my credit report, and take appropriate enforcement actions against the entities responsible for these violations. These errors have caused measurable harm to my creditworthiness and financial opportunities. I seek immediate correction, compliance with federal law, and a formal confirmation that all investigations have been completed and resolved accurately.

Company response to consumer: Closed with non-monetary relief