Consumer complaint received 2025-06-05 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 complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., regarding multiple inaccuracies, wrongful charge-offs, late payment notations, and incorrect address listings on my credit report maintained by the major credit bureaus.

1. Wrong Address Listings The following addresses are inaccurately reported on my credit report. These erroneous addresses have no relation to my current or previous residences and have resulted in negative impacts on my credit file : 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  Under FCRA Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct inaccuracies promptly. I demand immediate correction or removal of these incorrect addresses, as they materially affect my creditworthiness and violate my right to accurate credit reporting.

2. Account Disputes Below is a detailed list of accounts containing erroneous charge-offs, late payments, and other discrepancies. These derogatory marks are either inaccurate or unfairly reported, causing undue harm to my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$450.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Reported as Charge Off. 
Under the FCRA Section 623 ( 15 U.S.C. 1681s-2 ), furnishers are responsible for providing accurate information. I dispute this charge-off status as incorrect and request validation and correction. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$19000.00} | Date Opened : XX/XX/XXXX * * Reported as Charge Off. 
If this account was paid or disputed previously, reporting it as a charge-off without proper validation violates FCRA and FDCPA Section 807 ( 15 U.S.C. 1692e ) prohibiting false, deceptive, or misleading representations. I request a complete investigation and removal of this erroneous charge-off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$990.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Reported as Late Payment. 
Reporting late payments inaccurately violates FCRA Section 609 ( 15 U.S.C. 1681g ), which mandates the right to dispute inaccurate information. I request validation of the reported late payments and correction or deletion if unverifiable. 
XXXX XXXX XXXX Account # XXXX | High Balance : {$15000.00} | Date Opened : XX/XX/XXXX * * Reported as Late Payment. 
Similar to above, I dispute the late payment status. Under FCRA Section 611, the furnisher must reinvestigate and provide accurate data. Please validate or correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$580.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Reported as Charge Off. 
This designation is disputed as inaccurate or misleading. I request full validation under FCRA Section 623 and removal if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$33000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Reported as Charge Off. 
I dispute the legitimacy of this charge-off. Under FCRA and FDCPA, inaccurate or unverified negative reporting is unlawful. Please investigate thoroughly and remove or correct this derogatory mark. 
3. Demand for Action Pursuant to the above laws, I demand : A thorough reinvestigation of all disputed accounts and address errors.

Immediate correction or deletion of all inaccurate information.

Written confirmation of all actions taken.

Compliance within the 30-day period as stipulated by the FCRA.

Failure to comply will leave me no choice but to escalate this matter through additional regulatory complaints, legal action, and notifying the Consumer Financial Protection Bureau for enforcement. 
Thank you for your prompt attention to this serious matter. Please ensure all communications are sent in writing.

Company response to consumer: Closed with non-monetary relief