Consumer complaint received 2025-10-26 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 because I discovered multiple inaccuracies and unauthorized reporting activities on my consumer credit reports. The reported information is not being maintained or verified in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting immediate investigation, deletion, and correction of these entries as required by federal law. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX These addresses are inaccurate and do not belong to me. Reporting incorrect addresses violates my rights under 15 U.S.C. 1681i ( a ) and 1681e ( b ) which require consumer reporting agencies to maintain accurate and up-to-date records. I have never resided at these locations, and I request immediate deletion of all inaccurate addresses from my file to prevent association with fraudulent or mixed credit data. 

ACCOUNTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account inaccurately reflects late payments which I have never made. Reporting false payment history violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) as data furnishers must ensure all information supplied to a consumer reporting agency is accurate and complete. I have documentation showing timely payments, and the presence of this negative data has caused harm to my creditworthiness. I demand deletion or full verification with original creditor documentation. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Charge Off * * This charge-off is inaccurate and not verified through any legitimate documentation. Under 15 U.S.C. 1681i ( a ), when an item is disputed, it must be verified directly by the furnisher of the information. XXXX has failed to provide any signed agreement or billing records supporting this alleged debt. This unverifiable charge-off must be permanently deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Late Payment * * This account reflects multiple late payments which are not accurate. Under 15 U.S.C. 1681e ( b ), you are required to assure maximum possible accuracy. The reporting of these alleged delinquencies without proper validation has caused financial damage and emotional distress. I request reinvestigation and deletion if original payment records can not be produced. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * This account was paid in full and closed in good standing. The late payment entries violate 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) since no valid evidence supports such reporting. Continuing to display false payment data constitutes negligent and willful noncompliance with FCRA, and I demand immediate correction and deletion. 

INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Each of the above inquiries was made without my written authorization or permissible purpose under 15 U.S.C. 1681b ( a ). Unauthorized access to my credit file constitutes a direct violation of federal law. If these companies can not produce written authorization bearing my signature, they must be immediately removed. Continuing to display or disclose these inquiries may also violate 1681n and 1681o concerning willful and negligent noncompliance with the FCRA. 

I am requesting that the CFPB take immediate action to ensure the above violations are addressed and the responsible furnishers or credit bureaus are held accountable. These actions have caused material harm to my credit profile and emotional distress due to negligent and unauthorized reporting. I demand immediate investigation, correction, and confirmation in writing that these inaccurate items have been permanently deleted or corrected in full compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation