Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Re : Urgent Complaint Identity Theft and Unauthorized Address Reporting To Whom It May Concern : I am writing to file a formal and urgent complaint regarding severe violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ). Specifically, my credit report contains an incorrect and unauthorized address, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, associated with my federal student loan account managed by The Department of Education XXXX XXXX I have never resided at this address nor authorized its use for any purpose. My true and only residential address is XXXX RESACA SECA, XXXX XXXX, TX XXXX. 

This inaccurate reporting violates the following federal consumer protection statutes and mandates immediate correction : - FCRA 602 ( a ), 15 U.S.C. 1681 ( a ) : Recognizes the need to ensure fair and accurate credit reporting.

- FCRA 604 ( a ) ( 2 ), 15 U.S.C. 1681b : Limits permissible purposes for obtaining a consumer report.

- FCRA 605B, 15 U.S.C. 1681c-2 : Provides the right to block fraudulent information resulting from identity theft.

- FCRA 611, 15 U.S.C. 1681i : Mandates prompt reinvestigation of disputed information by consumer reporting agencies. 
- FDCPA 807 ( 8 ), 15 U.S.C. 1692e ( 8 ) : Prohibits communicating false credit information, including failing to report a disputed debt.

- CFPA 1031, 12 U.S.C. 5531 : Prohibits unfair, deceptive, or abusive acts or practices in the financial marketplace.

- CFPA 1036, 12 U.S.C. 5536 : Outlines penalties for engaging in violations of federal consumer financial law. 

The false reporting of an address I never resided at constitutes a serious breach of these statutes. My attached FTC Identity Theft Report ( No. XXXX ) and supporting documentation affirm that I did not authorize or consent to the use of XXXX XXXX XXXX. I have already contacted The Department of Education XXXX, but they have failed to remedy this grave inaccuracy. 

To further establish my identity and rightful address, I will be providing comprehensive verification documentation, including : My Texas driver license My passport My social security card My insurance documents Billing verification and residency verification Under these federal protections, I demand the following actions be taken immediately : 1. Removal of the incorrect address from all credit reporting agencies.

2. Correction of any associated records and negative impacts caused by this unauthorized reporting.

3. A complete reinvestigation of this dispute, with results provided to me in writing as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

I hereby demand a full response and resolution to this dispute within 30 days of your receipt of this complaint, as required by law ( FCRA 611 ). Failure to comply within this timeframe will be considered a direct violation of the FCRA and CFPA, and will subject the responsible parties to federal penalties and full legal accountability. 

I expect your swift response and compliance with these federal requirements. Enclosed is my FTC Identity Theft Report and relevant evidence to substantiate my claim. 

Sincerely, XXXX.

Company response to consumer: Closed with non-monetary relief