Consumer complaint received 2025-08-15 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, I am submitting this formal complaint to the Consumer Financial Protection Bureau against multiple furnishers and credit reporting agencies for the inaccurate, incomplete, duplicative, and unauthorized reporting of information on my credit profile in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), and all applicable state consumer protection statutes. 
These items have caused substantial damage to my credit reputation, emotional distress, and denial of financial opportunities. Despite multiple disputes, the accounts and inquiries listed below remain unverifiable and continue to be reported without compliance with the law. I am requesting that the CFPB investigate and compel the removal of these violations. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : This address is inaccurate and has never been associated with my residence or place of business. 
Law : Under FCRA 1681i ( a ), credit reporting agencies must conduct a reasonable reinvestigation of disputed information, and under 1681e ( b ) they must ensure maximum possible accuracy. 
Story : Reporting an incorrect address creates the false impression of identity inconsistencies, suggesting possible fraud or misrepresentation. I have never resided at this location, nor has it ever been used in connection with any credit account. This error could mislead creditors into associating me with unrelated debts, directly harming my credit reputation and increasing the risk of identity theft. The law requires that any unverifiable address be deleted immediately. 
XXXX XXXX XXXX TX XXXX Wrong Address Issue : This is not my residence and has never been tied to my credit accounts. 
Law : FCRA 1681c ( f ) prohibits inclusion of outdated or incorrect personal identifiers that misrepresent a consumers identity. 
Story : By falsely linking me to this address, the reporting agency is effectively publishing misleading personal data. Such errors can affect background checks, employment opportunities, and loan approvals. This is a clear violation of my right to accurate reporting, and the continued presence of this address without evidence is unlawful. 
XXXX XXXX XXXX High Balance : {$510.00} Date Opened : XX/XX/XXXX Charge Off Issue : This charge-off is inaccurate, unverifiable, and damaging to my credit score. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. FCRA 1681i ( a ) requires removal if not verified. 
Story : I have no record of receiving proper billing statements or validation of this debt. Without proper validation under the FDCPA 809 ( b ), this entry can not legally remain. Reporting this as a charge-off falsely implies that I abandoned repayment obligations, which severely harms my financial profile and credibility with lenders. 
XXXX XXXX High Balance : {$220.00} Date Opened : XX/XX/XXXX Late Payment Issue : This late payment is not supported by verifiable records. 
Law : FCRA 1681i and 1681e ( b ) require data furnishers to ensure accuracy and remove unverifiable negative marks. 
Story : I have consistently maintained my obligations on accounts in good faith. The alleged late payment date conflicts with my own payment records, and no documentary proof has been provided. Misreporting payment history is highly damaging to my creditworthiness and constitutes willful negligence under the law. 
DEPTEDXXXX XXXXXXXX High Balance : {$6000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reported late payments are inaccurate and lack documentation. 
Law : FCRA 623 ( a ) ( 1 ) prohibits reporting information known to be inaccurate. 
Story : XXXX has not provided any certified statement or payment ledger confirming the alleged delinquencies. Such unverified reporting unfairly impacts my credit standing and is a direct violation of my right to fair and accurate credit reporting. 
DEPTEDXXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment Issue : Duplicate account with the same lender, which appears to be double-reporting negative history. 
Law : FCRA 1681e ( b ) requires avoidance of duplicate and misleading entries.

Story : This duplication creates an inflated perception of delinquency, misleading lenders and worsening my credit profile beyond reality. Such duplication is prohibited unless each record can be distinctly verified. 
XXXX XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Inaccurate balance and unverified charge-off status. 
Law : FCRA 1681s-2 ( a ) and FDCPA 809 ( b ) apply here for accuracy and debt validation. 
Story : No written notice of default or right to cure was provided before reporting the account as charged off. This is a procedural violation and creates an unjustly negative portrayal of my repayment habits. 
XXXX XXXX XXXX  High Balance : {$400.00} Date Opened : XX/XX/XXXX Charge Off Issue : Unverified and outdated negative reporting. 
Law : FCRA 605 ( a ) limits the reporting period for negative items and 1681i requires deletion if unverifiable. 
Story : I never received supporting documentation to justify this charge-off. Continued reporting without verification is a willful disregard of my rights. 
DEPTEDXXXX XXXXXXXX High Balance : {$5800.00} Date Opened : XX/XX/XXXX Late Payment Issue : Payment history is inaccurately reported. 
Law : FCRA 1681e ( b ) and 1681i ( a ) mandate maximum possible accuracy and reinvestigation of disputes. 
Story : These late payments are inconsistent with my records and without verifiable proof should be removed immediately. 
DEPTEDXXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment Issue : Duplicate reporting of a similar account from the same lender with the same balance. 
Law : FCRA 1681e ( b ) applies against duplicative, misleading reporting.

Story : This duplication is artificially damaging my credit score and creating an inflated picture of risk to creditors. 
XXXX XXXX XXXXXXXX XXXX  High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reporting of a late payment that I dispute as inaccurate and unverifiable. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishing information known to be inaccurate ; FCRA 1681i requires a proper reinvestigation ; FDCPA 807 prohibits false representation of a debt status. 
Story : This account reflects a late payment that never occurred. Payments were made on time, and any alleged delay was due to a processing error by the creditor. I have not been provided with any written proof showing the date payment was received and applied. The current reporting is damaging my creditworthiness, impacting my ability to secure necessary financing, and causing unnecessary stress. 
DEPTEDXXXX XXXXXXXX High Balance : {$6000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payment reporting beyond permissible limits and without proof of accuracy. 
Law : FCRA 1681c ( a ) prohibits reporting obsolete information ; 1681s-2 ( b ) mandates furnishers to correct and update inaccurate information after dispute.

Story : This student loan account is reflecting alleged late payments from several years ago. Given the age of this account and the lack of substantiating documentation from the servicer, these lates are questionable and potentially outside permissible reporting timelines. Reporting outdated or unverifiable derogatory marks is unlawful, and the burden of proof lies with the furnisher. 
DEPTEDXXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment Issue : Duplicate negative reporting of the same debt in violation of FCRA. 
Law : FCRA 1681i ( a ) ( 5 ) ( B ) requires removal of duplicate or merged account errors ; 1681s-2 ( a ) prohibits reporting false or duplicative information.

Story : This is the same loan as above, but it is being reported as a separate account with late payments. This creates a false impression of multiple delinquencies and artificially depresses my credit score. The duplicate reporting is misleading, violates federal law, and must be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} Date Opened : XX/XX/XXXX Collection Issue : Inaccurate collection reporting with missing documentation. 
Law : FDCPA 807 prohibits misleading representations ; FCRA 1681i requires reinvestigation.

Story : This collection account appeared suddenly on my report with no prior notice or opportunity to dispute. I have never received validation, and this violates my right to due process under federal consumer protection statutes. 
Inquiries ( Unverified and Unauthorised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : Multiple hard inquiries without my authorization or permissible purpose. 
Law : FCRA 1681b outlines permissible purposes for credit pulls; unauthorized inquiries must be removed immediately.

Story : These inquiries were never authorized by me and have no legitimate business need connected to an application for credit, insurance, or employment. Their presence damages my credit score and misrepresents my credit-seeking behavior. I demand immediate removal unless verifiable proof of my consent is provided. 
Resolution Requested : I request that the CFPB investigate these violations, require the furnishers and credit reporting agencies to provide full documentation proving accuracy and legality, and delete any item that can not be verified according to the FCRA and FDCPA. 
Failure to address these issues appropriately will leave me no choice but to pursue further legal remedies. My rights under federal law are clear, and I expect compliance.

Company response to consumer: Closed with non-monetary relief