Consumer complaint received 2025-11-08 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 regarding serious and repeated inaccuracies reported on my credit file by multiple furnishers and credit reporting agencies. These errors are damaging my credit reputation and violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Below are the inaccurate items I have identified : 1. Wrong Addresses Reported The following addresses are being inaccurately associated with my personal credit file. I have never lived, worked, or received mail at any of these locations : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX These are completely incorrect and constitute serious violations of FCRA 609 and 611. I request the immediate deletion of these addresses from all credit reports maintained by XXXX, Equifax, and XXXX. 

2. Accounts Reported Inaccurately The following accounts contain false or unverifiable information that does not accurately reflect my credit history or payment behavior : XXXX XXXX XXXX ( Acct. # XXXXXXXX XXXX ) Reported Late Payment. This is false. I have never made a late payment on this account. The payment history must be corrected immediately. 

XXXX XXXX XXXX ( Acct. # XXXXXXXX XXXX ) Reported as Charge Off. I have no knowledge of this account whatsoever. It must be deleted immediately as unverified and fraudulent. 

XXXX XXXX XXXX ( Acct. # XXXXXXXX XXXX XXXX ) Reported as Charge Off. I have no knowledge of this account and request its complete removal. 

XXXX  XXXX ( Acct. # XXXXXXXX XXXX ) Reported Late Payment. This is false information. I have never made a late payment on this account and demand correction. 

XXXX  XXXX ( Acct. # XXXXXXXX XXXX  ) Reported Late Payment. This is inaccurate. The history should be corrected to reflect on-time payments. 

XXXX XXXX ( Acct. # XXXXXXXX XXXX ) Reported Late Payment. This is false. I have no late payments on this account. 

XXXX  XXXX ( Acct. # XXXXXXXX XXXX ) Reported Late Payment. This is a duplicate and inaccurate record ; I have never paid late. 

XXXX XXXX  ( Acct. # XXXX XXXX  ) Reported Late Payment. This is incorrect and must be corrected immediately. 

3. Unauthorized or Suspicious Inquiries I am also disputing the following inquiries, which were made without my authorization or knowledge : XXXX XXXX U.S. Department of Agriculture XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are unverified and unauthorized. Under FCRA 604, no company may access my credit file without a permissible purpose. I request their immediate removal from my reports. 

FCRA Violations and Requested Action These inaccuracies violate multiple provisions of the Fair Credit Reporting Act, including but not limited to : 602 ( A ) : Right to fair and accurate reporting 604 : Restrictions on access to credit files 607 ( B ) : Requirement for maximum possible accuracy 611 : Duty to investigate disputed information 623 : Responsibility of furnishers to report accurate information I am requesting that the CFPB investigate these violations immediately and hold the furnishers and credit reporting agencies accountable. I expect full removal of the unverified addresses, deletion of fraudulent or unverified accounts, correction of all false late payment reports, and removal of unauthorized inquiries. 

I am attaching copies of my government-issued ID and proof of current address for verification purposes. 

Thank you for your immediate attention to this matter. I expect a full investigation and written confirmation once the corrections have been made.

Company response to consumer: Closed with non-monetary relief