Consumer complaint received 2025-06-09 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 filing a formal complaint regarding inaccurate, misleading, and potentially duplicative entries on my credit report that are negatively impacting my creditworthiness and appear to be in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
Despite multiple good-faith attempts to resolve these issues through disputes, the following erroneous items persist on my report. I am requesting immediate investigation and correction under FCRA XXXX ( Procedure in case of disputed accuracy ) and XXXX ( b ) ( Maximum possible accuracy ) : Incorrect Addresses Being Reported ( Violation of FCRA XXXX ) The following addresses are not associated with me and must be removed immediately from my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX of false addresses is not only a privacy and security concern but also undermines the integrity of my consumer file in violation of federal law. 
Erroneous & Potentially Duplicative Negative Accounts The following accounts are misreported, duplicated, or listed with inaccurate status ( charge-off, late payment, or collection ) : XXXX. XXXX XXXX o Account # XXXX * */ Opened : XX/XX/XXXX * * Repeatedly marked late. 
o Account # XXXX * */ Opened : XX/XX/XXXX * * Also marked late. 
o Possible duplicative or erroneous entries. 
XXXX. XXXX XXXXXXXX o Account # XXXX * * * */ Opened : XX/XX/XXXX * * Late payments reported inaccurately. 
XXXX XXXX XXXX XXXX XXXX o Account # XXXX * * * * / Opened : XX/XX/XXXX * * Late payments reported for a recently opened low-balance card, possibly erroneous. 
XXXX. XXXX XXXX XXXX XXXX # XXXX * * * * and # XXXX * * * * * * * * * * Appears to be duplicate entries for the same revolving account. Only XXXX legitimate record should exist. 
XXXX. TEXAS XXXX XXXX XXXX  o Account # XXXX * / Opened : XX/XX/XXXX * * Charged off improperly ; requires verification and validation. 
XXXX. XXXX o Account # XXXX * * * * * * * * */ Opened : XX/XX/XXXX * * Late payments during a period of deferment/forbearance are incorrectly reported. 
XXXX. XXXX XXXX XXXX o Accounts # XXXX * *, # XXXX * * * * ( XXXX ) * * Duplicate accounts for the same debt reported in different amounts. This is misleading and violates FCRAs accuracy provision. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX * * * * * / Opened : XX/XX/XXXX * * Collection account requires proper documentation and validation under XXXX XXXX XXXXXXXX ( FDCPA ). 
Unpermitted Inquiry XXXXXXXX XXXX Inquiry Dated XX/XX/XXXX This was an unauthorized hard inquiry and constitutes a violation under FCRA XXXX if no permissible purpose existed. 
Legal Grounds & Request for Action Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to : Investigate disputed items within XXXX days. [ XXXX ] Ensure all information reported is accurate and complete. [ XXXX ( b ) ] Remove unverifiable or erroneous information. [ XXXX ] Additionally, duplicate reporting of debts, reporting of false addresses, or inaccurate payment history are serious breaches that damage a consumers ability to access fair credit. 
Requested Resolutions : XXXX. Immediate deletion of the inaccurate addresses listed above. 
XXXX. Removal or correction of any late payments that are inaccurate or outside lawful reporting guidelines. 
XXXX. Elimination of duplicate or misreported accounts. 
XXXX. Deletion of unauthorized inquiry by XXXX XXXX. 
XXXX. A full reinvestigation and written response confirming all corrective actions taken. 
If the above actions are not taken within the statutory period, I reserve the right to pursue legal remedies, including complaints to the CFPB, FTC, and state Attorney General, and potentially filing suit for damages under FCRA XXXX and XXXX. 
Please consider this letter as a formal demand for compliance and consumer protection under applicable law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief