Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : This is another address I have never been affiliated with.

Law Violated : FCRA 1681c ( f ) Information must relate to the consumer ; FCRA 1681i Reinvestigation failure.

Story : I have no connection to this residence, and its presence implies systemic negligence in verifying consumer information. This may be the result of file merging or creditor error, but regardless of origin, the inaccuracy must be removed under federal law. It affects the validity of my credit file and my ability to establish lawful residence verification. 
XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : This is a duplicate version of a wrong address already listed above.

Law Violated : FCRA 1681e ( b ) ; FCRA 1681i ( a ) Failure to delete inaccurate data after reinvestigation.

Story : The same incorrect address is being reported in multiple formats, increasing the likelihood of rejection from automated systems. Duplicate data inflates the appearance of movement or instability, which can negatively affect credit decisions and employment background checks. This clearly shows a lack of data hygiene by the furnisher and bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : This address is completely unknown to me.

Law Violated : FCRA 1681b No permissible purpose ; FCRA 1681e ( b ).

Story : This appears to be a commercial address or misreported location. I have never used or associated with this place. Continuing to include addresses that are not connected to the consumer shows reckless disregard for data integrity and places me at risk for credit profile confusion, which is unfair, inaccurate, and unlawful. 
XXXX XXXX XXXX Issue : Charged-off account inaccurately reported and not properly validated.

Law Violated : FCRA 1681c ( a ) ( 4 ) Obsolete information ; FDCPA 1692g Failure to validate debt ; FCRA 1681s-2.

Story : This account is being reported as a charge-off without proof of the original agreement, payment history, or a valid chain of custody. The reporting appears to be older than allowed or lacks current, accurate status. Despite prior disputes, XXXX has not provided proper validation nor corrected inaccuracies. I request this item be removed for failure to meet legal requirements and due process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payments reported without accurate context or updated information.

Law Violated : FCRA 1681s-2 ( b ) Duty to investigate and correct ; FDCPA 1692e ( 2 ) ( A ).

Story : This account has repeatedly shown late payments, many of which are either outdated or never occurred. I never received proper communication from the creditor explaining the delinquencies. Reporting this kind of inaccurate and unvalidated negative payment history directly harms my credit score and reputation, especially when it appears with a high balance. I demand a thorough reinvestigation or removal under the law. 
XXXX XXXX XXXX XXXXXXXX Issue : Third-party collection without validation or consumer agreement.

Law Violated : FDCPA 1692g ( b ) ; FCRA 1681e ( b ).

Story : I have never entered into any agreement with this debt collector, and they have not furnished any signed contract or statement. This collection was added without prior notice or debt validation. Continued reporting of an unverifiable account is illegal and misleading. I have already disputed this without resolution, and now request full deletion. 
XXXX XXXX XXXX XXXX Issue : Collection account reported with no debt validation.

Law Violated : FDCPA 1692g ; FCRA 1681i.

Story : This debt was never validated after my written request. I have no knowledge of this debt or the origin. The agency failed to provide verification as required under the FDCPA. XXXX XXXX is furnishing this data without adequate evidence, in violation of my consumer rights. 
XXXX XXXX XXXX XXXXXXXX XXXX Issue : Invalid collection account reporting.

Law Violated : FDCPA 1692g ( b ) ; FCRA 1681e ( b ).

Story : This is a well-known debt buyer that failed to validate this debt. I have never received communication that satisfies federal validation requirements. Continued reporting despite a lack of verification and dispute constitutes willful noncompliance and warrants immediate deletion. 
XXXX XXXX XXXX XXXXXXXX XXXX Issue : Invalid collection, not verified. 
Law Violated : FDCPA 1692g ; FCRA 1681b.

Story : This account was never verified or validated. I have no recollection of owing this balance or receiving a statement from the original creditor. XXXX has ignored lawful dispute and continues to report. I demand that this be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Duplicate collection entry. 
Law Violated : FCRA 1681e ( b ) ; FDCPA 1692e ( 8 ).

Story : This is a duplicate of the earlier XXXX account listed above. Having two versions of the same debt inflates my delinquency records and misrepresents my credit profile. Duplicate entries mislead lenders and are prohibited under federal law.

REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief