Consumer complaint received 2025-08-12 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 the credit reporting agencies and the listed furnishers for multiple and severe violations of the Fair Credit Reporting Act ( FCRA ) including but not limited to XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. My consumer report contains wrong addresses, duplicate entries, inaccurate late payments, charge-offs, collections, and accounts that do not belong to me. These inaccuracies have damaged my creditworthiness, denied me access to fair credit opportunities, and caused emotional and financial harm. 
I am demanding an immediate investigation, deletion of all inaccurate information, and full compliance with federal law. Below are the disputed items : Under FCRA 602, 607 ( b ), and 611, you are required to maintain maximum accuracy and conduct a reasonable reinvestigation within 30 days. A " reasonable investigation '' requires you to obtain original source documentation ( not just data from an automated system ) directly from the original creditor. If you can not produce such verification, the disputed entry must be deleted immediately. 

Below are all disputed items, with details of the Issue, applicable Law, and the expanded Story about how each item is inaccurate and harmful : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Issue : Never resided XXXX address. 
XXXX : FCRA 607 ( b ). 
Story : I have never rented, owned, or received any form of mail at this location. Associating me with this address can cause lenders, insurers, and businesses to believe I have a residency history that does not exist, potentially linking me to debts, judgments, or even criminal matters associated with a different individual. This false linkage can also be the result of a mixed credit file, which directly violates your duty to maintain maximum accuracy. 

XXXX XXXX XXXX XXXX {$270000.00} Opened XX/XX/XXXX Issue : Late payment inaccurately reported. 
XXXX : FCRA 607 ( b ), 611 ( a ).

Story : My payment receipts contradict the late payment details on file. Incorrect payment history on a high-balance mortgage seriously impacts my creditworthiness, raises mortgage rates, and can even affect insurance premiums. The bureau must obtain signed, date-stamped billing records directly from the lender or delete this entry. 

XXXX XXXX XXXX {$2000.00} Opened XX/XX/XXXX Issue : Charge-off unverifiable. 
XXXX : FCRA 611 ( a ), FDCPA 807. 
Story : Without an original signed contract and complete payment history from the creditor, this charge-off is unverified. An unverifiable negative account harms my credit score while depriving me of the opportunity to obtain fair credit terms. 

XXXX XXXX XXXX XXXX {$300.00} Opened XX/XX/XXXX Issue : Late payment inaccurate. 
Law : FCRA 607 ( b ). 
Story : My bank statements show payments were made within agreed timelines. Mislabeling them as late creates a false narrative of financial irresponsibility, which is particularly harmful for future credit approvals. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance {$840.00} Opened XX/XX/XXXX Issue : Charge-off inaccurate. 
Law : FCRA 611, FDCPA 807. 
XXXX : This account included payment arrangements that were not reflected in the reporting. Failure to update status while reporting a charge-off is misleading to potential lenders and a violation of your obligation to report accurate, complete data. 

XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX Issue : Unverified charge-off. 
Law : FCRA 611 ( a ). 
Story : Without original creditor validation, this listing must be removed. Retaining unverifiable debt is a form of negligent reporting. 

XXXX XXXX XXXXXXXX XXXX {$330.00} Opened XX/XX/XXXX Issue : Charge-off inaccurate. 
Law : FCRA 607 ( b ). 
XXXX : This supposed charge-off lacks any legitimate proof in my possession or from the creditor. It unjustly harms my ability to obtain revolving credit. 

XXXX XXXX XXXX {$780.00} Opened XX/XX/XXXX Issue : Duplicate charge-off. 
Law : FCRA 607 ( b ). 
Story : Multiple listings for the same creditor violate accuracy rules and mislead creditors. 

XXXX XXXX XXXX XXXX {$3800.00} Opened XX/XX/XXXX Issue : Charge-off unsubstantiated. 
Law : FCRA 611 ( a ). 
Story : Without documentation that includes original agreements, billing records, and payment histories, this charge-off status is unverifiable. 

XXXX XXXX TX XXXX Balance {$32000.00} Opened XX/XX/XXXX Issue : Late payment inaccurate. 
Law : FCRA 607 ( b ). 
Story : With timely mortgage-style payment history documented by bank transfers, showing late payments here is a false and damaging statement. 

XXXX XXXX XXXX XXXX {$620.00} Opened XX/XX/XXXX XXXX XXXX : Inaccurate and unverified utility-related charge-off. 
Law : FCRA 607 ( b ), 611 ( a ). 
Story : Utility debts require precise meter readings, consumption data, billing cycles, and proof of unpaid balances. None of this documentation has been provided. Basing a serious derogatory mark on incomplete info is a violation of your duty for maximum accuracy, and has an undue negative impact on my credit standing. 

XXXX XXXX XXXX XXXX {$5000.00} Opened XX/XX/XXXX XXXX XXXX : Unverified high-balance charge-off. 
Law : FCRA 611 ( a ). 
XXXX : This substantial amount wrongly suggests I defaulted on a major loan. As required, you must retrieve the original promissory note, itemized payment history, and delinquency notice sent to me. Absent this, the claim is unverifiable and unlawfully damaging to my credit profile. 

TRUIST XXXX XXXX {$30000.00} Opened XX/XX/XXXX XXXX XXXX XXXX : Late payment inaccurately reported. 
Law : FCRA 607 ( b ), 611 ( a ). 
Story : My own documented bank transfer records reflect timely payments, so portraying this as late paints a false picture. Since this is a large loan, the penalty on my credit profile is severe, affecting mortgage terms and overall credit ratings. 

XXXX XXXX XXXX XXXX Balance {$1100.00} Opened XX/XX/XXXX Collection Issue : Duplicate listing. 
Law : FCRA 607 ( b ). 
XXXX : This appears identical to other XXXX entries with the same balance. Multiplying a single debt into multiple tradelines creates an inaccurate picture of my financial responsibility. 

XXXX XXXX XXXX XXXX Balance {$1600.00} Opened XX/XX/XXXX Collection Issue : Unverified collection. 
Law : FCRA 611 ( a ). 
Story : No proof has been provided showing I ever agreed to or owed this balance. Without a contract, payment history, and assignment documents from original creditor, it must be removed. 

XXXX XXXX XXXX {$630.00} Opened XX/XX/XXXX XXXX XXXX : XXXX buyer unverifed account. 
Law : FDCPA 807, FCRA 611 ( a ). 
Story : XXXX must produce account-level details showing this is my obligation, including original creditor records. Simply repeating database info is insufficient and unlawful. 

XXXX XXXX XXXX {$500.00} Opened XX/XX/XXXX XXXX XXXX : XXXX XXXX entry. 
Law : FCRA 607 ( b ). 
Story : Appears to be the same debt as above, just with a slightly altered balance, suggesting inaccurate duplicate reporting. 

XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX : Unverified buy now, pay later debt. 
XXXX : FCRA XXXX ( a ). 
Story : No transaction log, installment history, or signed agreement has been produced. Without exact proof, this entry is unverified and misleading. 

XXXX XXXX XXXX Balance {$740.00} Opened XX/XX/XXXX Collection Issue : No proof of debt. 
Law : FCRA 611 ( a ). 
Story : Without evidence from original creditor showing contractual agreement and default, this must be deleted under federal accuracy requirements. 

XXXX XXXX XXXX XXXX {$540.00} Opened XX/XX/XXXX XXXX XXXX : No verifiable documentation. 
Law : FCRA 611 ( a ).

Story : Debt collection reporting is only permissible with proof directly from original creditor showing the debt was validly assigned to XXXX XXXX and remains due. This has not been provided. 

RELIEF REQUESTED : XXXX. XXXX deletion of all inaccurate addresses. 
XXXX. Permanent removal or correction of all disputed accounts. 
XXXX. Written confirmation from all CRAs and furnishers of compliance. 
XXXX. Compensation for damages caused by negligent and willful reporting violations under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief