Consumer complaint received 2025-06-04 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 regarding numerous inaccuracies and violations on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. Despite my attempts to resolve these discrepancies directly with the credit reporting agencies and data furnishers, these issues remain unresolved.

Section 1 : Disputed Addresses ( Incorrect and Not Affiliated with Me ) The following addresses are falsely reported on my credit report. I have never lived at, nor do I have any affiliation with these addresses. Their presence constitutes a violation of the FCRA, particularly 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to assure maximum possible accuracy of the information : XXXX. XXXX XXXX XXXX, XXXX, TX XXXX Issue : Incorrect address, not linked to me, causing identity confusion and inaccurate credit file data. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Issue : Incorrect address, no relation to my residence history. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : Wrongly reported address, affecting credit report accuracy. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Issue : Not my address, improperly appearing on my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Issue : Incorrect and unauthorized address reporting. 
XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX Issue : Address misreporting, violates my right to accurate credit data. 
Applicable Law : FCRA 1681e ( b ) Ensures information is accurate and complete. Reporting these addresses violates this obligation. 
Section 2 : Accounts Reported with Inaccurate or Unverified Negative Marks The following accounts contain inaccurate or unverifiable information, including charge-offs, collections, and late payments. In many cases, I have not received proper validation as required under the FDCPA or dispute resolution as required by the FCRA. These listings are damaging, outdated, and in some cases potentially fraudulent. 
Charge-Offs XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$500.00} Issue : Charge-off reported without proper debt validation ; no investigation results provided after dispute. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$1100.00} Issue : Charge-off inaccurately reported ; account ownership and balance not verified. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$35000.00} Issue : Charge-off reported with errors in amount and date ; no response to dispute requests. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$4000.00} Issue : Charge-off status incorrect ; no proof of valid debt furnished. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX XXXX : {$1200.00} Issue : Disputed charge-off not properly investigated or corrected. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$250.00} Issue : Charge-off improperly listed ; validation not supplied. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$500.00} Issue : Account status and balance inaccurately reported. 
XXXX. US DEPT OF EDUCATION XXXX Opened : XX/XX/XXXX | High Balance : {$50.00} Issue : Charge-off wrongly listed ; dispute requests ignored. 
XXXX. XXXX  XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$140.00} Issue : Charge-off reported without proper validation or investigation. 
Applicable Laws : FCRA 1681i ( a ) Requires reinvestigation of disputed items.

FDCPA 809 ( 15 U.S.C. 1692g ) Requires debt validation upon request. 
Late Payments XXXX. XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX XXXX : {$1500.00} Issue : Late payments inaccurately reported ; no proof of delinquency. 
XXXX. XXXX  XXXXXXXX XXXX Opened : XX/XX/XXXX | XXXX XXXX : {$1600.00} Issue : Late payment history not verified, reporting is misleading. 
XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX | High Balance : {$12000.00} Issue : Late payment reported without supporting evidence. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$990.00} Issue : Disputed late payments remain on file without validation. 
Applicable Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information. 
FCRA 1681c Limits reporting of adverse information. 
Collections XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$710.00} Issue : Collection account reported without verification or consumer consent. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$220.00} Issue : Inaccurate collection balance and account status. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$640.00} Issue : Collection account improperly reported and not validated. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$780.00} Issue : Collection debt is inaccurate and unverifiable. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1900.00} Issue : Collection account reported without proper validation.

Applicable Law : FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading debt collection practices.

FCRA 1681b Permits only permissible purpose for reporting collections.

Complaint Summary and Relief Requested I dispute the accuracy and validity of the aforementioned credit reporting items. These accounts and addresses are either : Incorrectly associated with me Reported without verification Not properly investigated after dispute Legally barred from being reported due to time or lack of validation I am requesting : 1. Complete deletion of all listed disputed accounts and addresses.

2. A detailed investigation and documentation proving the accuracy and legality of each item.

3. Immediate action against the furnishers and credit bureaus for any confirmed violations.

Company response to consumer: Closed with non-monetary relief