Consumer complaint received 2025-10-06 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 filing this formal complaint against multiple furnishers and credit reporting agencies for reporting unverified, inaccurate, and unauthorized information on my credit report, in clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). The accounts and inquiries listed below have caused severe damage to my creditworthiness, emotional distress, and financial harm. 
XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address. 
This address is entirely unfamiliar to me, and its reporting as part of my credit history is not only inaccurate but also potentially fraudulent. Its presence could affect credit applications, housing verification, and employment background checks, causing serious personal and financial harm. I demand this incorrect address be removed and corrected without delay. 
XXXX  XXXXXXXX XXXX XXXX XXXX  High Balance : {$7800.00} Date Opened : XX/XX/XXXX XXXX XXXX. 
I have no knowledge or record of opening or using this account. Its appearance on my credit report is both alarming and damaging. This erroneous charge-off has likely impacted my credit score and my ability to obtain loans or credit facilities. Reporting an account that I did not authorize constitutes identity fraud and a direct violation of FCRA 1681i. I request deletion or full verification with complete supporting documentation proving my responsibility. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$6900.00} Date Opened : XX/XX/XXXX Charge Off. 
I dispute this accounts validity completely. I have no record of this account, and its reporting as a charge-off falsely portrays my financial responsibility. This inaccuracy has real-world consequences on my creditworthiness and personal life. It also raises serious concerns about potential identity theft or reporting errors. Under FCRA 1681s-2 ( b ), this information must be verified or deleted without delay. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Charge Off. 
I have no knowledge of opening or using this account. Its reporting as a charge-off is false and misleading. This account negatively impacts my credit score and may have caused lenders to make decisions based on inaccurate information. Reporting an unverified account violates FCRA 1681i, and I demand deletion or full verification with authentic documentation proving my responsibility. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Charge Off. 
I do not recognize this account and have no record of authorization. Its inclusion as a charge-off falsely portrays my financial history and may influence lenders evaluations, insurance approvals, and rental applications. I request immediate removal or full verification to protect my credit and personal reputation. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$550.00} Date Opened : XX/XX/XXXX Charge Off. 
This account is unknown to me. Reporting it inaccurately exposes me to potential fraud risks and creates confusion with financial institutions. Such reporting is a violation of FCRA 1681e ( b ), which requires maximum possible accuracy. I demand correction or deletion. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Charge Off.

I have no association with this account. Its reporting as a negative entry is misleading, potentially affecting loan approvals and other financial opportunities. I insist this account be verified with complete documentation or removed entirely. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Charge Off. 
I dispute this account in full as it is unknown to me. Reporting this charge-off without verification creates a false record of my credit history and exposes me to unnecessary financial and personal risk. Immediate removal or proper verification is required under FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$45000.00} Date Opened : XX/XX/XXXX Charge Off. 
I have no knowledge of this account. The reporting of such a high-balance charge-off falsely damages my creditworthiness and may affect major financial decisions, including loan eligibility, mortgage approvals, and insurance assessments. I demand immediate deletion or full verification with supporting documentation. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Late Payment. 
I have never made late payments on this account. Its reporting as late is inaccurate and misrepresents my payment history. I request correction to reflect the accurate status and remove all falsely reported late payments. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off. 
I do not recognize this account. Reporting it as a charge-off is entirely false and can affect my credit applications. Under FCRA 1681i, unverifiable information must be removed immediately. I demand deletion unless full verification is provided. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection. 
This account is unknown to me and may represent fraudulent activity. Reporting it as a collection without verification is a direct violation of FCRA 1681s-2 ( b ) and Metro 2 reporting standards. I demand immediate deletion or full verification with complete supporting documentation. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$7600.00} Date Opened : XX/XX/XXXX Collection. 
I have no knowledge of this account. Its reporting as a collection is entirely inaccurate and negatively impacts my creditworthiness. The presence of this unverifiable account exposes me to potential identity theft and may cause wrongful collection attempts. I demand deletion or complete verification with proper documentation proving my liability. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$770.00} Date Opened : XX/XX/XXXX Collection. 
I do not recognize this account. Reporting it as a collection misrepresents my credit history and may harm my ability to secure loans or credit. I request immediate removal or full verification as required under FCRA 1681i. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection. 
This account is unknown to me and its inclusion is both misleading and potentially fraudulent. It affects my credit report accuracy and can cause lenders to make decisions based on false information. I demand deletion or verification with complete supporting documentation. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$2900.00} Date Opened : XX/XX/XXXX XXXX XXXX. 
I do not recognize this account. Reporting it as a charge-off falsely portrays my payment history and damages my financial reputation. Immediate correction or deletion is required under FCRA 1681i to prevent ongoing harm. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3100.00} Date Opened : XX/XX/XXXX Collection. 
I have no knowledge of this account. Its reporting as a collection is inaccurate and misleading, potentially affecting loan approvals and other financial decisions. I demand verification with full documentation or immediate removal. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1800.00} Date Opened : XX/XX/XXXX Collection. 
This account is unknown to me. Reporting it as a collection falsely represents my financial behavior and exposes me to unnecessary risk of creditor actions. Immediate deletion or proper verification is requested. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection. 
I dispute this account entirely as I have no record of it. Its inclusion as a negative entry affects my credit applications and could result in wrongful collections. I demand verification or deletion immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$500.00} Date Opened : XX/XX/XXXX Collection. 
I do not recognize this account. Reporting it as a collection is inaccurate, misleading, and may indicate potential fraud. I request immediate removal unless full verification with complete documentation is provided. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$740.00} Date Opened : XX/XX/XXXX Collection. 
This account is unknown to me. Its inclusion as a collection negatively impacts my credit report and misrepresents my payment history. I demand verification or deletion as required by FCRA 1681i. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection. 
This account is unknown to me. Its inclusion is misleading, potentially fraudulent, and adversely impacts my ability to secure credit. I demand deletion or full verification with complete supporting documentation. 
XXXX XX/XX/XXXX Inquiry. 
This inquiry is unrecognized and unauthorized. I demand removal to prevent harm to my credit score. 
XXXX XX/XX/XXXX Inquiry. 
I have no knowledge or authorization for this inquiry. Reporting it inaccurately violates FCRA XXXX ( a ) and must be corrected immediately. 
XXXX XXXX XX/XX/XXXX Inquiry. 
I did not authorize this inquiry. Its reporting is inaccurate and must be deleted. 
XXXX XX/XX/XXXX Inquiry. 
I have no record of authorizing this inquiry. Its reporting is inaccurate and must be removed immediately. 
XXXX XX/XX/XXXX Inquiry. 
I did not authorize this inquiry. Its reporting is inaccurate and must be deleted immediately. 
Requested Resolution : 1. Immediate deletion of all unverified, inaccurate, and unauthorized collection accounts and inquiries from all credit bureaus ( XXXX, Equifax, XXXX  ). 
2. A full investigation by CFPB into the actions of XXXX and the listed lenders that accessed my credit file without authorization. 
3. Written confirmation that all violations have been corrected, and that steps are being taken to prevent such unauthorized activity in the future.

4. If these furnishers can not verify each account with signed contracts, complete payment histories, and proof of permissible purpose, they must permanently delete all records from my credit file.

Legal Basis for Complaint : FCRA 602 ( A ) : Requires credit reporting agencies to maintain maximum possible accuracy.

FCRA 604 ( A ) : Limits access to credit reports to entities with a legitimate permissible purpose.

FCRA 611 ( A ) : Requires reinvestigation and correction of inaccurate or unverifiable information.

FDCPA 809 ( A ) : Requires debt collectors to provide validation of debts upon request.

15 U.S.C. 1681n & 1681o : Establish civil liability for willful and negligent noncompliance. 
These inaccuracies have deeply impacted my ability to obtain fair credit opportunities, and I am requesting the CFPBs direct involvement to ensure full compliance by the furnishers and credit reporting agencies. 
I am submitting supporting documentation, including a copy of my identification, proof of address, and credit report excerpts showing the disputed entries.

Company response to consumer: Closed with explanation