Consumer complaint received 2025-11-05 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:
b'I am filing this formal complaint to report multiple serious inaccuracies and unauthorized accounts appearing on my credit reports. These errors are negatively impacting my credit standing, and I request immediate investigation and enforcement action to ensure full compliance with the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).\n\n1. Wrong and Inaccurate Addresses Reported\n\nThe following addresses listed on my credit file are completely inaccurate and have no connection to meXXXX XXXX XXXX XXXX XXXX   Wrong addressXXXX XXXX XXXX XXXX XXXX  Wrong address\n\nThese addresses must be deleted immediately as they are contributing to fraudulent or inaccurate account linkages.\n\n2. Charge-Off and Collection Accounts I Have No Knowledge Of\n\nThe following accounts are being reported as charge-offs or collections, but I have no knowledge, authorization, or association with them. I never opened or maintained these accounts, and I dispute their validity in full:\XXXX XXXX   Date Opened: 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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have no contractual relationship, billing history, or signed documentation for any of these accounts. Their presence constitutes false reporting, potential identity theft, or mixed credit file errors.\nI request these items be deleted immediately from all consumer reporting agencies.\n\n3. Inaccurate Late Payment ReportingXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account inaccurately reports late payments. I have never been late on any payment with this creditor, and this information must be corrected to show a perfect payment history.\nPer FCRA 1681i(a), I am requesting an immediate reinvestigation and correction of this inaccurate data.\n\n4. Improper Hard InquiryXXXX XXXXI do not recognize this inquiry. I did not authorize it, and therefore, it must be removed immediately from my credit report as it violates FCRA 604(a).\n\nRequested Action\n\nI request the CFPB to:\n\nInvestigate each reporting creditor and furnishers listed above.\n\nDirect all involved parties (credit bureaus and furnishers) to delete or correct all inaccurate information.\n\nEnsure that no unverified or unverifiable data remains on my credit reports.\n\nRequire proof of verification or signed documentation for any account being reported.\n\nIf the furnishers or credit reporting agencies fail to comply within the legal time limits, I reserve the right to pursue all available remedies under the FCRA and FDCPA, including civil action for damages.\n\nConclusion\n\nThese repeated reporting errors constitute serious negligence and non-compliance with federal consumer protection laws. I respectfully request CFPBs direct intervention to ensure my credit reports are accurate, fair, and fully compliant with the law.\n\nThank you for your attention and assistance in resolving these violations. Please confirm receipt of this complaint and keep me informed of the investigation progress.'

Company response to consumer: Closed with non-monetary relief