Consumer complaint received 2025-09-04 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:
Dear CFPB, I am submitting this complaint regarding multiple inaccurate, unverifiable, and harmful items being reported on my credit file. These items are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Each account below has errors and has caused me financial and emotional harm. 
Wrong Address Reporting XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This is an address where I have never lived, never received mail, and never had any financial connection. Reporting this as my residence is dangerous because it links me to fraudulent accounts. This is a direct violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
This false address has not only harmed my credit profile but has also created unnecessary suspicion during loan applications, where creditors questioned my identity. Such negligence can also lead to identity theft, for which the FCRA and XXXX specifically provide protection. 
Account Issues XXXX  XXXX XXXX High Balance : {$500.00} | Date Opened : XX/XX/XXXX | Charge Off This account was declared a charge-off even though I had communicated with the creditor about financial hardship. XXXX XXXX failed to offer any meaningful solution such as hardship programs or repayment options, which they are obligated to provide under CFPB guidance on fair lending practices. Instead, they rushed to charge-off status and damaged my credit. This has prevented me from qualifying for housing and auto financing. Under FCRA 623 ( a ), furnishers can not report information if they know or have reasonable cause to believe it is inaccurate. 
XXXX XXXX XXXX High Balance : {$310.00} | Date Opened : XX/XX/XXXX | Charge Off This is a duplicate negative account from the same creditor. Reporting XXXX charge-offs for the same entity is misleading, abusive, and unlawful. This duplicate reporting magnifies the damage, lowering my credit score more than once for a single event. Under FCRA 604 and 607, reporting agencies must ensure that duplicate or unverifiable data is removed immediately. I have already disputed this account with documentation, yet XXXX XXXX continues to allow double-reporting. 
XXXX XXXX XXXX High Balance : {$970.00} | Date Opened : XX/XX/XXXX | Late Payment This late payment is false. I paid on time, but the creditor misapplied my payments. Reporting me late is negligent and directly violates FCRA 623 ( a ) ( XXXX ) ( A ). Because of this single false late mark, I was denied a personal loan, and my auto loan interest rate went up by several points, costing me thousands of dollars over time. I reached out to XXXX XXXX multiple times, but instead of correcting their mistake, they ignored my correspondence showing a willful pattern of abuse. 
XXXX XXXX XXXX High Balance : {$260.00} | Date Opened : XX/XX/XXXX | Charge Off This charge-off is reported without any proof. I have requested validation under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), but XXXX never sent proper documentation. Yet they continue to report this account. This kind of behavior is unlawful if a debt can not be validated, it must be removed. This derogatory mark has remained for years, blocking my access to fair credit. It is emotionally exhausting to see a company disregard the law and keep punishing me financially. 
XXXX XXXX XXXX High Balance : {$600.00} | Date Opened : XX/XX/XXXX | Late Payment This late payment is also false, showing a repeated pattern of negligence by First Premier. It proves that the creditor lacks proper account management and internal controls. Reporting XXXX different late payments falsely is reckless. Under FCRA XXXX & XXXX, consumers have the right to sue for damages when inaccurate information is reported negligently or willfully. 
XXXX XXXX XXXX High Balance : {$1800.00} | Date Opened : XX/XX/XXXX | Charge Off XXXX charged off this account without properly notifying me or providing a chance to cure the debt. They immediately reported derogatory information, violating FCRA 623 ( b ), which requires a full and fair investigation when a consumer disputes accuracy. Instead, they ignored my rights, and now this account is blocking me from refinancing my vehicle. This shows not only negligence but also reckless disregard for federal law. 
XXXX XXXX  XXXX * * High Balance : {$580.00} | Date Opened : XX/XX/XXXX | Late Payment This late payment is inaccurate and harmful. XXXX XXXX has no proof that I missed payments. They failed to send me billing statements or notices before reporting me late. This violates FCRA 609 ( 15 U.S.C. 1681g ), which requires furnishers to provide full disclosure of the information they report. Because of this false late mark, my credit score dropped by more than XXXX points, making it impossible for me to qualify for emergency credit when I needed it most. 
XXXX XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account is being reported as a charge-off but the balance, payment history, and ownership of this account are not verifiable. I never received any proper validation of debt as required under FDCPA 809 ( 15 USC 1692g ). 
Story : I have repeatedly requested documentation and proof of this account, but the creditor and the bureau failed to provide it. Reporting unverifiable or inaccurate data is a direct violation of FCRA 602 and 623. This entry has caused financial harm, denial of credit, and emotional distress. 
XXXX XXXX XXXX XXXX High Balance : {$22000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Extremely old account that appears to be beyond the statute of limitations in my state. Reporting such outdated negative information is illegal under FCRA 605 ( a ), which limits reporting of derogatory items beyond XXXX  years. 
Story : This account is still being reported unfairly, even though the time frame has expired. Keeping this account active is damaging my credit profile, affecting my ability to secure housing and employment. 
XXXX  XXXX XXXX * * High Balance : {$700.00} Date Opened : XX/XX/XXXX Charge Off Issue : No validation of debt, and multiple inaccuracies in balance reporting. 
Story : I never received any written notice from this company, and suddenly the account appeared on my report. This is a violation of FDCPA and FCRA accuracy requirements. It is unlawful for creditors or furnishers to report false balances without proper notice. 
XXXX  XXXX High Balance : {$22000.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account has been disputed multiple times but continues to reappear, showing different balances across the bureaus. 
Story : This demonstrates re-aging of debt which is illegal under FCRA 623 ( a ) ( 5 ). The creditor can not update old accounts to make them look newer. This manipulation unfairly extends the negative reporting period and damages my creditworthiness. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX Collection Issue : This collection account was reported without providing validation. 
Story : I never received any letter of validation, yet the account is reported to bureaus. This is harassment and unlawful collection activity under FDCPA 809. This account is inaccurate and must be deleted. 
Hard Inquiries Unlawful or Unauthorized XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Issue : These inquiries were placed without my authorization or permissible purpose under FCRA 604. 
Story : I never applied for credit with many of these companies. Pulling my report without authorization is a willful violation and constitutes invasion of privacy. Each inquiry is lowering my credit score unfairly and damaging my financial standing. I demand removal of all unauthorized inquiries immediately. 
Conclusion & Relief Requested The above accounts and inquiries violate FCRA 602, 609, 611, and 623, as well as FDCPA 809. These items are inaccurate, unverifiable, and in some cases fraudulent. I request that CFPB investigate these matters, enforce compliance, and require the immediate deletion of these accounts and inquiries from my credit reports. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation