Consumer complaint received 2025-08-01 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:
Dear Consumer Financial Protection Bureau, I am writing to file an official complaint regarding numerous inaccurate, unauthorized, and potentially fraudulent entries on my credit reports with the major credit bureaus ( Equifax, XXXX XXXX XXXX. These errors have caused serious damage to my credit score, reputation, and ability to secure housing, transportation, and credit. I have disputed these items directly with the credit reporting agencies and the furnishers but have not received proper resolution, investigation, or removal. 
Below, I provide a list of wrong addresses, unauthorized hard inquiries, charge-offs, collections, and late payments that do not belong to me or have been reported inaccurately. I believe this is a combination of identity theft, file merging, and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : Wrong Address Law : FCRA 1681c-2 Story : I have never lived, worked, or received mail at this location. The presence of this address raises serious concerns of a mixed credit file or possible synthetic identity misuse. Due to this error, I have been flagged for fraud in a rental application, leading to the rejection of affordable housing which left me temporarily homeless and extremely distressed. This address must be removed immediately. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 1681i Story : I have no ties to this property. I have never resided or had any business conducted from here. The inclusion of this address is not only misleading but has caused suspicion in financial screenings. Its unfair and potentially unlawful, and I believe its contributing to credit misreporting by other creditors as well. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 1681c Story : I have never resided here, and it appears this may have originated from a completely unrelated individual. This address doesnt match any employment or application Ive submitted. Its harming my identitys integrity and is contributing to account confusion and false inquiries. 
XXXX XXXX XXXX High Balance : {$150.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681s-2 ( b ) Story : I never opened this account. The account was added to my credit file without my knowledge or permission. I had never received any bills, emails, or verification before seeing it listed as a charge-off. This has led to a drastic credit score drop, and Ive been denied both utilities and an auto loan as a result. I believe this is identity theft and demand immediate deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FDCPA 809 Story : I have never made a purchase or had a line of credit with this company. This false account is impacting my credit file unfairly. This entry has caused humiliation when applying for employment where a credit check was performed, and I was turned down. 
XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681i Story : This late payment was the result of a short-term layoff due to a company-wide downsizing during the pandemic recovery period. I communicated with the creditor, requested hardship relief, and made payments thereafter. Yet, the late mark remains and has been devastating for my personal loan applications. Its unfair and misrepresents my financial discipline. 
XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 Story : During this time I was dealing with a medical emergency in my family, which consumed all my savings and caused temporary hardship. I resumed payments and the account remained in use, but the late payments continue to be reported. These entries have blocked me from refinancing my student loans. I request reconsideration and removal. 
XXXX XXXX High Balance : -- Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681c Story : This account was closed and fully paid. Reporting it with late payments afterward is factually incorrect. This misinformation continues to harm my creditworthiness with lenders. 
XXXX XXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681i Story : I made payment arrangements that were not acknowledged or applied correctly. The charge-off reflects a lack of communication and effort from the lender. This entry is not only unfair but damaging during a time when XXXX actively rebuilding my credit. 
XXXX XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681c Story : These late payments occurred while I was hospitalized for a serious injury. I provided medical records and even reached out to XXXX XXXX for deferment. Instead of assisting, they continued reporting delinquencies, causing my credit to plummet. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$30000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( a ) Story : I requested and received a temporary payment pause due to job transition. Despite this, the account shows late payments. This contradiction has directly led to increased insurance rates and denial of a rental application. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA XXXX Story : I was never contacted by this lender and never received any notification. The account was never validated or confirmed with me. I fear this may be fraud. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 807 Story : This debt was never validated with me. I was blindsided when I saw it on my credit. I reached out with no response. Its presence continues to delay major life goals like homeownership. 
XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$630.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 809 Story : I disputed this debt over a year ago. I never received any proof, and the company continued reporting. This is clear violation of the FDCPA. 
XXXX  XXXX High Balance : {$640.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA XXXX Story : I never signed any agreement with this entity. This entry appeared without contact and negatively affected my approval for a car lease. 
Unknown Account XXXXXXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA 1681b Story : I do not know this account. No contract, communication, or service has occurred with this entity. I believe this is a synthetic identity issue. 
XXXX XXXX XXXX XXXX High Balance : -- Date Opened : XX/XX/XXXX Issue : Duplicate Collection Law : FCRA 1681s-2 Story : This same debt is reported under multiple variations. This ruins my score unfairly and exaggerates my liabilities. 
XXXX XXXX XXXX High Balance : {$150.00} Date Opened : XX/XX/XXXX Issue : Duplicate Collection Law : FCRA 1681e ( b ) Story : This is clearly the same debt listed three times. It misleads creditors and makes me appear extremely delinquent. This must be addressed now. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA XXXX Story : This inquiry is unauthorized and must be removed. I never did business with this company. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Duplicate Unauthorized Inquiry Law : FCRA 604 Story : This duplicate inquiry makes it look like Im desperate for credit, which is untrue. Remove immediately. 
How This Has Affected Me Personally : Due to these inaccurate and unauthorized entries : I have been denied rental housing and auto loans My auto insurance premiums increased I was denied employment due to a poor credit report I am suffering from severe stress, anxiety, and embarrassment I am unable to rebuild my credit despite taking responsible steps I have reached out to credit bureaus and furnishers but have received vague responses, no thorough investigations, and no meaningful resolutions. Many items remain on my credit file despite being unauthorized, fraudulent, duplicate, or disputed properly. 
What I Am Requesting from the CFPB : Full investigation into all of the items above Direction to the credit bureaus to delete or correct these entries Enforcement of my rights under FCRA and FDCPA Review of any creditor/furnisher who has violated federal law Ensure consumer protection practices are followed in my case Please assist me in holding the credit bureaus and furnishers accountable and ensuring the accuracy, fairness, and security of my credit file.

Company response to consumer: Closed with non-monetary relief