Consumer complaint received 2025-11-07 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:
I am submitting this complaint under my rights granted by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My credit report contains serious inaccuracies that have caused confusion, harm, and misrepresentation of my credit profile. Despite previous disputes, the errors remain unresolved. I am demanding a full reinvestigation and immediate correction of these violations that directly infringe upon my consumer rights under federal law. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX This address has never been associated with me or my verified residence. Reporting incorrect identifying information violates 1681e ( b ) requiring maximum accuracy. Continuing to list it damages my personal data integrity and must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX This address is not linked to me in any way. Retaining and displaying it as part of my record is a serious accuracy violation under 1681c ( a ) ( 4 ). Equifax has an obligation to maintain precise consumer data ; delete this address without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Reported as a charge-off but remains unverified and unsupported by the furnisher. Reporting XXXX balance as charged off is deceptive and violates 1681i and 1681s-2 ( b ). No evidence or contract linking me to this debt has been shown, delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} Date Opened : XX/XX/XXXXXXXX  The alleged account has never been validated. The furnisher provided no signed agreement or payment proof. Reporting unverified debt violates 1681e ( b ) and 1692e of the FDCPA for false representation, remove permanently. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Incorrect charge-off reporting of a XXXX-balance account violates 1681e ( b ). Reporting incomplete or inaccurate financial status without verification breaches federal compliance. Delete this false account from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX  Reported with false late payments despite no verified proof. Violates 1681i requiring reinvestigation and confirmation. No supporting record exists to justify any delinquency, remove this inaccurate data. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge-off reported without validation or contract. Fails compliance with 1681s-2 ( b ) for accuracy and verification. Reporting such unsubstantiated data harms consumer standing ; delete this account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX No original proof of liability or delinquency has been provided. Reporting unverifiable debt violates 1681e ( b ). This data can not legally remain on file without validation. Remove at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} Date Opened : XX/XX/XXXX Inconsistent data between credit bureaus proves inaccuracy. Equifaxs duty under 1681i is to verify data or delete it. Reporting conflicting information shows failure of reinvestigation standards ; remove completely. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$500.00} Late payment is unsupported by any payment history or notice. This violates 1681e ( b ) for lack of proof. Reporting such data without validation must cease immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} Late mark remains unverifiable. Under 1681i ( a ) ( 1 ), you are obligated to delete information not proven accurate. Continuing to report it shows negligent compliance. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$600.00} No record of any missed payment exists. Reporting delinquency without confirmation violates 1681e ( b ). Delete this unverifiable account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Report shows inconsistent details across bureaus, violating 1681e ( b ). No official verification provided by the furnisher. Remove this inaccurate record. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$490.00} Alleged late payment lacks any verified support. This breaches 1681s-2 ( b ). No proof of default was submitted, remove from credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} Reported as late without verified billing history. Violates 1681i ( a ) for failing reinvestigation. Delete immediately due to lack of supporting evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$35000.00} Late status reported without confirmation from creditor. Fails compliance under 1681e ( b ) and 1681s-2 ( b ). Reporting unverifiable delinquency harms my credit integrity and must be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX account reported without any validation. Violates 1692g of the FDCPA and 1681e ( b ). Unverified third-party reporting is illegal and must be deleted. 

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 XXXX XXXX XXXXXX/XX/XXXX These inquiries were unauthorized and made without permissible purpose. Violates 1681b ( f ) which prohibits obtaining a consumer report without consent. Delete all unauthorized inquiries immediately or provide written evidence of consumer-initiated authorization. 

These inaccuracies and violations collectively demonstrate negligence and noncompliance with federal consumer protection laws. The bureaus and furnishers have failed their legal obligation to ensure fair, accurate, and verifiable reporting under FCRA 602 ( a ) and 623 ( a ) ( 1 ) ( A ). I am requesting that CFPB immediately investigate these matters, compel the responsible bureaus and furnishers to remove or correct the erroneous data, and take appropriate enforcement actions to ensure compliance. Continued failure to uphold these laws constitutes willful noncompliance under FCRA 616 and 617, which subjects the responsible parties to civil liability.

Company response to consumer: Closed with non-monetary relief