Consumer complaint received 2025-11-10 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, this complaint is being submitted for the violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to inaccurate reporting, failure to ensure accuracy, and failure to obtain permissible purpose before conducting an inquiry. The listed address, accounts, and inquiries are being disputed as they are either inaccurately reported, outdated, or obtained without authorization. I am requesting immediate investigation, deletion of inaccurate items, and enforcement of compliance by all parties involved under the laws stated below. 

Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is being reported inaccurately and does not reflect my correct residency history. Continuing to associate this incorrect address with my file violates FCRA Section 607 ( b ) which requires maximum possible accuracy. I request this address be permanently removed from my credit profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account reports late payments despite the balance showing {$0.00}, which is contradictory and inaccurate under FCRA 602 ( A ). Reporting a late payment when no balance exists constitutes negligent reporting and misrepresentation under Section 623 ( a ) ( 1 ) ( A ). Please remove the late payment history as it can not be verified with factual documentation. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Charge Off * * This account reflects a charge-off that I never authorized or received valid notice for. Reporting an unverified charge-off violates FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ) for misleading credit communication. If XXXX XXXX can not produce the original signed agreement and charge-off documentation, it must be deleted from my report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * The report shows late payments on an account with a XXXX balance. This is logically inconsistent and violates FCRA 607 ( b ). Continuing to report outdated late payment information also breaches FCRA 605 ( a ) ( 5 ). I demand complete deletion of these inaccurate payment records. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Late Payment * * The Department of Education account is inaccurately showing late payments despite ongoing deferment status during the specified period. This misreporting violates FCRA 611 ( a ) ( 5 ) and FDCPA 807 ( 2 ) ( A ) for false representation of account status. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22000.00} Late Payment * * This account was under federal deferment and should not reflect delinquency. Reporting such inaccurate information harms my creditworthiness and violates FCRA 602 ( A ) and 623 ( a ) ( 1 ) ( D ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$39000.00} Charge Off * * The charge-off reported by XXXX XXXX XXXX is unverifiable and lacks supporting documentation such as the original signed contract and account history. Under FCRA 611 ( a ) and FDCPA 809 ( b ), any unverified debt must be removed immediately. 

XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Charge Off * This account is being reported inaccurately. I never received notice of default or validation of debt as required under FDCPA 809 ( a ). This violates FCRA 602 ( A ) and 623 ( a ) ( 1 ) ( A ) for unverified and incomplete reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Late Payment * * This account was in a government-approved forbearance period during the alleged delinquency dates. Reporting late payments in violation of the CARES Act constitutes a breach of FCRA 611 ( a ) and FDCPA 807 ( 10 ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4700.00} Late Payment * * The same inaccuracy appears here. The late payment is false and must be deleted per FCRA 602 ( A ) and 611 ( a ). The reporting agency has failed to ensure accurate verification. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5300.00} Late Payment * * This record is incomplete and unverifiable. FCRA 607 ( b ) mandates maximum possible accuracy. The servicer did not provide legitimate evidence confirming this delinquency. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Late Payment * * This account displays identical inaccuracies as other XXXX XXXX listings. Under FCRA 602 ( A ) and 623 ( b ), unverifiable data must be promptly corrected or deleted. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8400.00} Charge Off * * This account was settled and paid, yet it continues to report as charged-off. This violates FCRA 611 ( a ) ( 1 ) ( A ) for failure to maintain updated records. Continued false reporting represents willful negligence under FCRA 616 and FDCPA 807 ( 8 ). 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$780.00} Collection * * This third-party collection is not validated. Under FDCPA 809 ( b ), a collection agency must provide proof of the original debt and contract. Without such evidence, this collection is illegal and must be deleted under FCRA 611 ( a ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$230.00} Collection * * This is another unverified collection entry that lacks validation and consumer consent. Reporting without written authorization breaches FDCPA 807 ( 2 ) ( A ) and FCRA 623 ( a ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Collection * * A zero-balance collection is inaccurate and misleading under FCRA 607 ( b ). Reporting a non-existent debt violates FDCPA 807 ( 8 ). Please remove this item from my file immediately. 

XXXX XX/XX/XXXX This inquiry was made without my written authorization and violates FCRA 604 ( a ) ( 2 ). All unauthorized hard inquiries must be removed as they damage creditworthiness. 

XXXX XX/XX/XXXX This inquiry was performed without permissible purpose or my consent. Under FCRA 604 ( a ) ( 3 ) ( A ) and 615 ( b ), I demand deletion of this inquiry as it violates my privacy rights. 

In conclusion, these violations demonstrate negligence and disregard for consumer rights. I am requesting immediate action to delete or correct the inaccurate information and remove any unauthorized inquiries from my credit report. Please hold the responsible furnishers and bureaus accountable under federal law. If these errors are not corrected, I reserve the right to seek further legal remedies for damages caused by inaccurate reporting, unauthorized inquiry, and violations of the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief