Consumer complaint received 2025-08-30 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:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

XXXX XXXX XXXX, TX XXXX This address is not my residence and should not appear in my credit file. Reporting addresses that do not belong to me violates FCRA Section 607 ( b ), which requires maximum possible accuracy. Keeping false addresses on file misrepresents my identity and could be tied to accounts or inquiries that do not belong to me, thereby misleading creditors and damaging my reputation. This inaccurate data must be deleted immediately. 

Accounts XXXX XXXX  XXXX Charge Off High Balance : {$18000.00} Date Opened : XX/XX/XXXX This charge off severely misrepresents my creditworthiness. According to FCRA Section 609, I have the right to request validation of all account details including the original signed contract, payment history, and proof of lawful reporting. If XXXX XXXX can not provide this, reporting it violates FCRA 607 ( b ). Any unverified or inaccurate reporting must be removed to maintain accuracy under federal law. 

XXXX XXXX XXXX Late Payment High Balance : {$500.00} Date Opened : XX/XX/XXXX This account is reporting late payments, but these lates are not verifiable with proper documentation. The FCRA prohibits incomplete or unverifiable payment histories. Without proof of the actual delinquency from the original creditors records, this reporting constitutes a violation of my rights under Section 611. Misleading data of this nature unfairly lowers my score and must be corrected. 

XXXX XXXXXXXX  Collection High Balance : {$450.00} Date Opened : XX/XX/XXXX This account is being reported as a collection, yet XXXX XXXX XXXX and their affiliates have a long history of failing to validate debts properly. Under FDCPA Section 809, a debt collector must provide written proof of the debt when disputed. If no such proof exists, then this collection is invalid and must be deleted. Continued reporting without validation is a violation of federal consumer protection laws. 

XXXX XXXX XXXX XXXX Collection High Balance : {$1200.00} Date Opened : XX/XX/XXXX This collection appears twice in my file, which is inaccurate and misleading. Duplicate reporting inflates derogatory information in violation of FCRA 607 ( b ). Furthermore, XXXX XXXX must validate with the original creditor agreement per FDCPA. If they can not, both entries must be permanently removed to prevent continued harm. 

XXXX XXXX Collection High Balance : {$290.00} Date Opened : XX/XX/XXXX This account is reporting as a collection without validation. Under FDCPA XXXX ( b ), upon dispute the collector must cease collection activity until proof is provided. Reporting to the bureau without validation is unlawful. If no contract and itemized statement exist, this tradeline must be deleted immediately. 

XXXX XX/XX/XXXX This inquiry is inaccurate and unauthorized. Under FCRA Section 604, accessing a consumers report without consent is prohibited. If XXXX can not validate this inquiry with documented proof, it must be deleted immediately. 

This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

Company response to consumer: Closed with non-monetary relief