Consumer complaint received 2025-10-03 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:
b'To Whom It May Concern,\nThis is a formal complaint under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act (FDCPA). I am disputing the following inaccurate, unverified, and unauthorized items on my credit report. These accounts and inquiries have caused serious harm to my creditworthiness and reputation. I am demanding full reinvestigation, correction, and deletion where proper validation cannot be provided.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nThis address does not belong to me. I never resided at or had any association with this property. The reporting of this address is a violation of FCRA 607(b), which requires accurate and current information. This must be deleted immediately as it falsely connects me to unknown activities.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Wrong Address\nThis residence is not mine. Associating me with this property is a clear breach of FCRA 607(b). Such wrong addresses open the risk of fraud, misidentification, and identity theft, which is unlawful.XXXX XXXX XXXX  Date Opened: XXXX  Balance Owed: $XXXX  Chargeoff\nI have no knowledge of this account. This appears to be fraudulent or misattributed. No original contract or signed agreement has ever been provided to validate this account. Reporting unverifiable debt is unlawful under FDCPA 807(8) and FCRA 609(a). I request deletion of this account immediately.XXXX XXXX  Date Opened: XXXX  Balance Owed: $XXXX  Chargeoff\nThis charge-off account is inaccurate and unverified. Reporting a $XXXX balance charge-off is contradictory and misleading, creating the appearance of financial misconduct where none exists. This is a violation of FCRA accuracy standards, and I demand its full removal.XXXX XXXX XXXX XXXX  Date Opened: XXXX  Balance Owed: $XXXX  Chargeoff**\nI dispute this charge-off account as fraudulent and unverified. I have no knowledge of it, and no original agreement or contract has ever been provided. Reporting this as a charge-off without validation violates FCRA 609(a) and FDCPA 809(b). This account must be deleted.\nInquiries Disputed:XXXX XXXXXXXXUnauthorized inquiry with no permissible purpose. This must be removed under FCRA 604.XXXX #XXXX XXXXUnknown and unauthorized. This must be deleted.\nXXXX XXXXI never applied for new credit with XXXX XXXX on this date. Unauthorized inquiry, must be removed.XXXX XXXXUnauthorized inquiry, dispute filed.XXXX XXXXDuplicate/unapproved inquiry, must be deleted.XXXX XXXXUnauthorized inquiry, remove.XXXX XXXXDuplicate inquiry, no permissible purpose.XXXX XXXXUnauthorized hard inquiry.\nThese accounts and inquiries are inaccurate, unverified, and damaging. Under FCRA 611, I demand reinvestigation. If the furnishers cannot provide original signed contracts, complete payment records, or permissible purpose documentation for inquiries, the items must be deleted immediately.\nIf these issues are not resolved, I am prepared to pursue legal action under FCRA 616 for willful noncompliance and 617 for negligent noncompliance, as well as FDCPA violations for false and misleading collection reporting.\nI request that CFPB take immediate corrective action, order the removal/correction of these accounts and inquiries, and hold the furnishers accountable for these violations.'

Company response to consumer: Closed with explanation