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 writing to formally file a complaint regarding numerous inaccuracies and legal violations appearing on my credit reports. These errors are significantly impacting my financial standing and causing unnecessary stress and damage to my creditworthiness. 
WRONG ADDRESSES BEING REPORTED The following addresses are inaccurately listed on my credit report. I have never lived at these locations : 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 Violation : Fair Credit Reporting Act ( FCRA ) 602 ( a ) & 609 ( c ) ( 2 ) Failure to maintain accurate information FCRA 611 Failure to properly investigate disputes I have already disputed these with the credit bureaus. Continued reporting of these addresses constitutes negligence and potentially willful noncompliance with federal law.

DISPUTED ACCOUNTS AND ISSUES Below are the accounts currently being reported inaccurately. Many are reporting charge-offs, collections, or late payments without proper documentation or authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} Status : Charge-Off Violation : FCRA 623 Furnishing inaccurate information FDCPA 807 Misleading representation of debt XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Charge-Off Violation : FCRA 607 ( b ) Lack of maximum possible accuracy FDCPA 809 Failure to validate the debt upon request XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} Status : Charge-Off Violation : FCRA 623 ( a ) ( 1 ) ( A ) Failure to report accurate and complete information FDCPA 807 ( 8 ) Reporting debt to third parties without consent XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Status : Late Payment Violation : FCRA 605B Reporting unverifiable late payments FCRA 623 Lack of reinvestigation results after dispute XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Status : Late Payment Violation : FCRA 623 ( a ) ( 3 ) Duty to update or correct information CFPB Regulation V Failure to respond within required time frame XXXX. XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Status : Late Payment Violation : Higher Education Act & FCRA 609 Failure to show accurate payment history FCRA 611 Incomplete reinvestigation results XXXX. XXXX Account # : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} Status : Late Payment Violation : FCRA 623 ( a ) ( 1 ) ( B ) Reporting info without verifying accuracy FCRA 611 ( a ) ( 1 ) ( A ) Failure to investigate disputes properly XXXX. XXXX XXXX XXXX  Account # : XXXXXXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$13000.00} Status : Late Payment Violation : FCRA 623 Misreporting of payment status FDCPA 808 Unfair practices in collecting auto loan XXXX. XXXX XXXX Account # : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12000.00} Status : Late Payment Violation : FCRA 607 Failure to ensure accuracy FCRA 611 Re-disputing without reinvestigation XXXX. XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Status : Charge-Off Violation : FCRA 623 ( b ) Reporting disputed info without noting the dispute FDCPA 809 Failure to provide validation notice XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2200.00} Status : Collection Violation : FCRA 607 ( b ) Data accuracy failure FDCPA 807 ( 10 ) False representation of legal status XXXX. XXXX, XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Status : Collection Violation : FDCPA 809 ( b ) Did not validate the debt upon request FCRA 623 Furnishing unverifiable debt XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$830.00} Status : Collection Violation : FCRA 605 Reporting obsolete/incorrect account FDCPA 808 Harassment or abusive collection practices XXXX. XXXX Account # : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} Status : Collection Violation : FCRA 611 Failure to remove disputed/incorrect tradeline FDCPA 807 Misrepresentation of debt status i REQUEST FOR RESOLUTION I am demanding the following corrective actions : 1. Immediate removal of all wrong addresses from my credit report 2. Deletion or correction of all the above accounts found to be inaccurately reported 3. A copy of each investigation conducted by the credit bureaus or data furnishers 4. Assurance that no negative retaliation will occur due to this complaint LEGAL BASIS All claims above are protected under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and CFPB Regulation V. These agencies are tasked with enforcing consumers ' rights to accuracy, fair treatment, and transparency.

Please consider this complaint urgent, as these errors have already caused me financial harm. I request that CFPB investigate and ensure full compliance from all data furnishers and credit bureaus involved.

Company response to consumer: Closed with non-monetary relief