Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB, I am filing this complaint to request an immediate investigation into multiple inaccurate and unauthorized items being reported on my credit file by various furnishers and credit bureaus ( XXXX, Equifax, and XXXX  ). These entries have severely damaged my credit profile and are being reported without proper verification or my authorization, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Below are the details of the disputed items : XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address does not belong to me, and I have never lived or received mail there. Its appearance on my credit report is a violation of my privacy and accuracy rights under FCRA 605 ( b ). This listing must be immediately removed as it is misleading and potentially connected to mixed or fraudulent data. 
XXXX XXXX  XXXX, TX XXXX Wrong Address I have no association with this address whatsoever. Reporting this as my residence creates false identity connections and may contribute to inaccurate account linkage. I request full deletion of this address from all records under FCRA 611 ( a ). 
XXXX XXXX XXXX High Balance : {$510.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off I dispute this account as reported. I have no record or verified proof of any charge-off from this creditor. The information being reported is false, incomplete, and unverifiable. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report data with maximum possible accuracy. Since this is inaccurate, I am requesting deletion of this tradeline unless the creditor provides verifiable documentation showing I legally owe this debt and that it was properly charged off. 
XXXX XXXX High Balance : {$220.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This account is inaccurately showing late payments which never occurred. I have always made payments on time, and there is no legitimate record showing I was delinquent. This is a clear violation of FCRA 607 ( b ), which requires accurate and complete information. Please correct this record to reflect a perfect payment history or remove the account if verification can not be provided. 
DEPTEDXXXX XXXX High Balance : {$6000.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment I dispute the reported late payments. I have never been late on my student loan obligations, and no written or verified notice was ever provided indicating delinquency. This false reporting has damaged my credit and misrepresents my payment behavior. Under FCRA 611 and 623, I am demanding immediate reinvestigation and correction to show all payments as current. 
DEPTEDXXXX  XXXX High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This duplicate account is also inaccurate and may be the result of a reporting error or double entry by the furnisher. Reporting multiple student loan accounts for the same loan or payment is deceptive and harms my credit profile. I request deletion or consolidation of this tradeline with corrected payment history. 
XXXX XXXX High Balance : {$11000.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off I dispute this charge-off as entirely inaccurate. I have never received any validation, billing statement, or original signed agreement from this company showing that I owe this amount. Without such proof, this tradeline is unverified and must be removed under FCRA 609 and 623 ( b ). The continued reporting of unverifiable or false debt constitutes defamation and negligent noncompliance with the FCRA. 
XXXX XXXX XXXX High Balance : {$400.00} | Date Opened : XX/XX/XXXX | Issue : Charge Off I have no record or verified documentation proving I ever had an account with this company. I never received any billing statements, notices, or charge-off letters related to this account. Therefore, I dispute this entry as inaccurate, incomplete, and unverifiable. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting false data. If verification can not be fully proven with valid signed documents, this tradeline must be permanently deleted. 
DEPTEDXXXX  XXXX High Balance : {$5800.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This account is inaccurately reporting late payments. I have never been late or delinquent with this student loan, and no written communication or notice of default was ever issued to me. I demand an immediate correction to reflect an accurate on-time payment history. Reporting false delinquencies violates FCRA 607 ( b ), which mandates maximum possible accuracy. 
DEPTEDXXXX XXXX High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This appears to be a duplicate of the above student loan account, and it is also reporting false late payments. Duplicate or erroneous reporting artificially lowers my credit score and misrepresents my financial behavior. I request deletion or correction of this duplicate account and the removal of any inaccurate payment history. 
XXXX XXXX XXXX High Balance : {$500.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This late payment information is incorrect. I have made every payment on time, and there is no proof that I was ever late. I am disputing this as a factual inaccuracy. Under FCRA 611 ( a ), you are required to reinvestigate and verify this information. If you can not provide written proof from the original creditor showing a legitimate late payment, the derogatory status must be deleted immediately. 
DEPTEDXXXX  XXXX High Balance : {$6000.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment I dispute this entry because the reported late payment is false. I have maintained my student loan accounts responsibly and on time. No authentic record or written correspondence supports a delinquency claim. This inaccurate reporting violates my rights under FCRA 623 ( b ), and I demand correction to show timely payments or removal if unverified. 
XXXX XXXX High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This duplicate listing is another example of erroneous and repetitive data entry from the same creditor. Multiple versions of the same account with conflicting payment histories distort my credit file and constitute noncompliance with FCRA 605 ( b ). I request immediate deletion of this duplicate and all associated derogatory information. 
XXXX XXXX XXXX High Balance : {$560.00} | Date Opened : XX/XX/XXXX | Issue : Collection This collection account is completely unknown to me. I have never received any written notice from this company as required by the FDCPA. I dispute this account as false and unverifiable. Under FCRA 611 ( a ), you must reinvestigate and verify with the original creditor. If proof can not be produced that I owe this amount, you are legally obligated to remove this tradeline immediately.

The following inquiries were not authorized by me and must be removed under FCRA 604 ( a ), which limits permissible purposes for obtaining a consumer report. I did not grant written or verbal authorization to any of these entities to access my credit file. Each of these inquiries constitutes a violation of my consumer rights and has caused a negative impact on my credit score. 
Unauthorized Hard Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries appear multiple times and were never authorized by me. It seems my personal information was accessed without permission, which could also indicate possible identity misuse. Please provide the source, method of request, and signed authorization for each inquiry. If you can not provide documentation showing my consent, all these inquiries must be deleted from my report immediately. 
Requested Resolution : 1. I request that CFPB investigate the conduct of the credit bureaus and the listed furnishers for violations of the FCRA and FDCPA.

2. Require the removal or correction of the following items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o All unauthorized inquiries listed above. 
3. Ensure that the credit bureaus provide written verification, documentation, and evidence for any information they continue to report.

4. Require the furnishers to cease reporting unverifiable or unauthorized data and to provide me written confirmation of removal.

Consumer Harm : These inaccurate and unauthorized entries have caused me significant emotional distress, loss of financial opportunities, and damage to my credit reputation. My credit score has been unfairly lowered, leading to denial of credit and unfavorable terms for housing and financing. The furnishers and credit reporting agencies have shown clear negligence in their reporting and investigation responsibilities. 
Supporting Law References : FCRA 604 ( a ) : Prohibits obtaining a credit report without permissible purpose.

FCRA 611 ( a ) : Requires reinvestigation of disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting inaccurate information.

FDCPA 809 ( a ) : Requires validation notice before collection reporting.

I respectfully request CFPBs immediate intervention and oversight to ensure full compliance with federal credit reporting laws. Please hold all responsible furnishers and agencies accountable and ensure that all inaccurate and unauthorized data are permanently removed.

Company response to consumer: Closed with non-monetary relief