Consumer complaint received 2025-07-16 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:
I am submitting this formal complaint against the credit reporting agencies for failing to ensure accurate, complete, and verifiable reporting of my personal credit file. I have identified multiple inaccurate data entries, including a wrong address, incorrect late payment notations on accounts, and unauthorized or unverified hard inquiries, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections XXXX ( A ), XXXX, XXXX, XXXX ( B ), and XXXX. I have tried to resolve these issues directly with the credit bureaus without success, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and compel the credit bureaus and furnishers to correct or delete the inaccurate data. 
Disputed Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Law : FCRA XXXX XXXX ( A ) and XXXX ( c ) ( XXXX ) ( XXXX ) Issue : This address is not mine and was never associated with my residence or financial activity Story : I have never lived at or used this address for any credit transaction and its presence on my report indicates a serious reporting error or potential identity confusion please remove this address from my credit file immediately Disputed Account : XXXX XXXXXXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Chargeoff * * Law : FCRA XXXX XXXX and XXXX ( a ) ( XXXX ) ( A ) Issue : Charged-off account with {$0.00} balance is still listed negatively impacting my report Story : This account shows a {$0.00} balance and should not reflect a chargeoff if the debt is settled or transferred the reporting is misleading and harmful please update or delete this entry Disputed Account : XXXX XXXX XXXX * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Chargeoff * * Law : FCRA XXXX XXXX and XXXX ( a ) ( XXXX ) ( A ) Issue : Duplicate chargeoff entries can cause double damage to credit score Story : This chargeoff is listed despite the account being closed and balance showing as {$0.00} this entry should be corrected or removed to reflect accurate financial status Disputed Account : XXXX XXXX XXXX * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Chargeoff * * Law : FCRA XXXX XXXX and XXXX ( b ) Issue : Potential duplicate account reporting causing unfair negative impact Story : This appears to be a duplicate or re-aged version of a previous account please verify this entry and remove if found redundant or inaccurate under FCRA rules Disputed Account : XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Status : Chargeoff * * Law : FCRA XXXX XXXX ( b ) and XXXX Issue : Large chargeoff listed without updated investigation or validation Story : This account was impacted by financial hardship and I am requesting full verification and proof of I am requesting a full investigation by the CFPB into the inaccuracies listed above. I demand that the credit reporting agencies either provide verified documentation supporting these accounts, inquiries, and address as accurate or delete them completely from my credit file. If no proof is provided within the required time period as per FCRA XXXX XXXX ( a ) ( XXXX ) ( A ), I expect immediate deletion. These errors have caused me serious financial and emotional distress. I request that the CFPB hold the responsible data furnishers and credit bureaus accountable and ensure these violations are corrected without delay.

Company response to consumer: Closed with non-monetary relief