Consumer complaint received 2025-07-11 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:
To Whom It May Concern, I am writing to formally file a complaint against multiple inaccuracies and violations found on my credit report. These issues include false and unverifiable addresses, unauthorized hard inquiries, charge-offs, and late payments that are being reported by several furnishers without proper verification or compliance with federal laws including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These reporting errors are causing me serious financial hardship, denial of housing, auto financing, and emotional distress. Despite attempts to resolve these issues with credit bureaus, the false data remains, prompting this CFPB complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : This is not my address. I have never lived or conducted any financial activity from here. 
Law : FCRA 1681i requires agencies to correct or delete inaccurate or unverifiable information within 30 days of dispute.

Story : This address being linked to my report has led to rejection in rental applications and triggered red flags in background verifications. Despite previous disputes, this wrong address remains, which shows negligence on the part of the credit reporting agencies and causes real harm to my reputation. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : This is a completely unknown and unrelated address that should not be on my credit file. 
Law : Under FCRA 1681c ( f ), obsolete or erroneous address data must be removed from consumer files to avoid data contamination.

Story : This address further contributes to a pattern of data merging or identity mix-up. I have never authorized the reporting of this address and its presence adds to the growing concern of identity confusion. Creditors believe I have lived at XXXX places at the same time, which damages my credibility. 
XXXX BANK Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Issue : This charge-off was reported without validation or explanation. I never received notices or collection attempts before this drastic step. 
Law : FDCPA 809 ( b ) and FCRA 1681b require debt validation and accurate furnishing. 
Story : I lost a job and went through a financial hardship period, but was never offered options or notified of collections. Without communication, this charge-off was added to my report, severely damaging my credit score. I have been unable to buy a car or secure personal loans due to this false negative mark. I request full debt validation or immediate deletion. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment * * Issue : The late payments were due to COVID-related hardship during which I communicated with the creditor for assistance, but was ignored. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ) requires accurate, complete, and updated furnishing. 
Story : I requested deferrals and hardship relief, but the creditor never applied them. Instead, they reported my account as late without proper context. These lates now suggest Im irresponsible, while in truth I was facing health and job crisis. This has caused major housing application rejections and loss of financial trust from lenders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Issue : My payments were made through autopay. Still, the account is marked late, indicating internal processing error. 
Law : FCRA 1681e ( b ) demands accuracy ; failure to remove this entry violates FCRA 1681i ( a ).

Story : I was shocked to find this late mark despite my account being in autopay. This single XXXX late mark dropped my score significantly and made me ineligible for a small business loan. I tried resolving with XXXX XXXX, but they gave no explanation. I demand this entry be deleted unless proven with timestamped records. 
XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : I never applied for credit or auto loan through XXXX XXXX on this date. 
XXXX : FCRA 604 ( a ) ( 3 ) requires permissible purpose for hard pulls.

Story : This inquiry was unauthorized. I contacted XXXX XXXX and they could not provide any application or consent. This harmed my credit for no reason, showing as unnecessary hard pull. 
XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : Hard inquiry not authorized by me. 
Law : FCRA 604 ( b ) ( 2 ) requires consumer consent.

Story : I had no interaction with Ally. This was likely a dealership shotgun application tactic without my knowledge. Its unfair and affects my report for XXXX  years. 
XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : Unknown inquiry. No credit sought. 
Law : FCRA 604 ( a ) ( 3 ) ( A ) Story : I never interacted with this company. This pull is likely done by mistake or by a car dealer without consent. My score dropped because of this unauthorized activity. 
XXXX XXXX ( XX/XX/XXXX ) Issue : No credit applied for, no relationship with XXXX XXXX XXXX FCRA 604 Story : This inquiry seems suspicious and should be fully investigated. I did not authorize it and have never had any XXXX credit. 
OVERALL IMPACT : These combined errors inaccurate addresses, unauthorized hard inquiries, and wrongly reported negative accounts have devastated my financial life. Ive been denied apartment leases, personal loans, and even employment opportunities due to these issues. My credit score has dropped significantly. I have spent countless hours disputing, calling, and writing, but the credit reporting agencies and furnishers have failed to correct these errors, violating my rights under the FCRA and FDCPA. 
RESOLUTION REQUESTED : Immediate deletion of all wrong addresses listed above Deletion or proper verification of all unauthorized inquiries Deletion or full validation of all accounts mentioned ( with signed contracts and billing history ) Compensation for damages suffered ( if applicable ) Please consider this my formal CFPB complaint against the relevant credit reporting agencies and furnishers. I expect a full investigation and resolution.

Company response to consumer: Closed with non-monetary relief