Consumer complaint received 2025-12-08 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 formal complaint regarding multiple serious inaccuracies and reporting violations appearing on my consumer credit reports. These errors are causing significant harm, and despite my efforts, the reporting furnishers have failed to correct these issues. I am requesting an immediate investigation and enforcement action to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

1. WRONG / INACCURATE ADDRESSES ( I have no affiliation with these addresses ) These addresses do not belong to me at any time, and I have no knowledge or connection to them. Their presence on my report represents severe data integrity failure : XXXX XXXX XXXX XXXX XXXX TX XXXX Wrong Address XXXX XXXX XXXX, XXXX XXXX, LA XXXX Wrong Address These incorrect addresses must be removed immediately as required under FCRA 602A and 607 ( B ) regarding maximum possible accuracy. 

2. CHARGE-OFF & COLLECTION ACCOUNTS I HAVE NO KNOWLEDGE OF As per your stored preferences, all charge-off and collection accounts must be treated as accounts I have no knowledge of. 
I am asserting that these accounts are not mine, were never authorized, and are being reported without proper verification. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 609 & 611, furnishers must provide proper documentation proving ownership and authorization. No such documentation has ever been provided to me.

I am demanding full deletion of these accounts for failure to validate.

3. LATE PAYMENT ACCOUNTS REPORTING IS FALSE & INACCURATE As per your instructions, for all " Late Payment '' accounts, I assert that the payment history being reported is wrong, because I have never made a late payment on these accounts.

These furnishers are reporting false derogatory information, violating FCRA 623 ( a ) ( 1 ) ( A ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$12000.00} Opened : XX/XX/XXXX I am requesting immediate correction and removal of any inaccurate late payment history.

4. UNAUTHORIZED / QUESTIONABLE HARD INQUIRIES These inquiries were conducted without my knowledge, authorization, or permissible purpose, violating FCRA 604 : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These must be removed immediately as they are unauthorized. 

Requested Action From CFPB I am requesting the CFPB to : Investigate each furnisher and bureau for FCRA violations Order removal of all inaccurate addresses Delete all charge-off and collection accounts listed above due to lack of authorization or validation Correct all false late payment reporting Remove all unauthorized inquiries Ensure all bureaus comply with FCRA accuracy and reinvestigation requirements Conclusion These errors are causing financial harm and preventing me from obtaining fair credit opportunities. 
I am requesting strong enforcement action to ensure compliance and accurate reporting. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation