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:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address has never been associated with me in any capacity. Reporting this incorrect address misrepresents my personal history and can result in improper lending decisions. Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to maintain maximum possible accuracy. The inclusion of this address violates that standard and creates confusion for creditors evaluating my creditworthiness. I request immediate deletion or correction and that all credit reporting parties be notified of this correction. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have never resided at or had any affiliation with this address. Its presence on my credit report is factually incorrect and violates FCRA Section 607 ( b ), which mandates that all information reported must be accurate. Maintaining such errors exposes me to potential financial harm. I request a thorough reinvestigation and immediate removal of this address from my credit profile. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is not linked to me. Reporting it inaccurately impacts my credit evaluation and may cause unwarranted denial of credit. Under FCRA Sections 607 and 611, I have the right to dispute and demand accurate reporting of all personal information. I request that this address be removed and any credit reports issued containing it be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I never lived at this address, nor have I authorized anyone to associate me with it. Reporting false addresses violates FCRAs accuracy requirements and may expose me to potential liability or credit harm. I demand full reinvestigation under FCRA Section 611 and immediate correction. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This listing is incorrect and has no association with me. Under FCRA, credit reporting agencies must ensure that all personal information is verified and accurate. The presence of this wrong address on my report constitutes a breach of statutory duties. Immediate deletion is requested to prevent ongoing credit damage. 

XXXX XXXX XXXX XXXX, LA XXXX Wrong Address I dispute this address because it does not belong to me. Including it in my credit report violates the FCRA requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). I request this address be removed from all reporting files and that any prior reports containing it be corrected. 

XXXX XXXX XXXX, TX XXXX Wrong Address This address is not associated with me. Reporting inaccurate addresses violates FCRA and can result in credit reporting errors that affect lending decisions. I request reinvestigation, correction, or deletion of this entry and that all agencies receiving my report be notified. 

Account Disputes XXXX XXXX Charge Off, High Balance : {$280.00}, Opened : XX/XX/XXXX This account is not mine. Reporting a charge-off without my authorization or verification is a clear violation of FCRA Sections 609 ( a ) ( 1 ) and 611. The erroneous reporting harms my credit score and misleads potential lenders. I request immediate deletion and a full reinvestigation. All information provided by the furnisher must be verified and validated before reporting. 
XXXX XXXX XXXX XXXX Charge Off, High Balance : {$1000.00}, Opened : XX/XX/XXXX I have never opened this account. Its reporting as a charge-off is inaccurate and violates FCRA Sections 609 and 611. Maintaining this incorrect account on my credit report negatively impacts my creditworthiness. I demand a complete reinvestigation and deletion unless verified documentation proves my liability. 

XXXX XXXX Charge Off, Balance Owed : {$0.00}, Opened : XX/XX/XXXX This account does not belong to me. Reporting a charge-off for an account I never opened is a direct violation of FCRAs accuracy requirements. This false reporting affects my credit evaluation and can lead to unjust denial of credit. I request deletion and proper reinvestigation under FCRA Section 611. 

XXXX XXXX Late Payment, High Balance : {$23000.00}, Opened : XX/XX/XXXX The reported late payments on this account are incorrect. FCRA Section 1681e ( b ) requires that all reported information be complete and accurate. Reporting false delinquencies harms my credit score and misleads potential lenders. I request immediate correction and verification of all reported payment history. 

XXXX XXXX XXXX XXXX Late Payment, High Balance : {$2300.00}, Opened : XX/XX/XXXX This accounts late payment is not accurate. FCRA mandates verification and accuracy before reporting negative information. Reporting an incorrect late payment violates my rights under Section 611 and damages my creditworthiness. I request deletion or correction of this account immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX  Charge Off, High Balance : {$600.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX I have no record of this account. Reporting it as a charge-off without verification is a violation of FCRA Sections 609 and 611. This false information negatively impacts my credit score and financial reputation. Immediate deletion is requested, along with proper reinvestigation of any submitted documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX Charge Off, Balance Owed : {$650.00}, Opened : XX/XX/XXXX This account is not mine. Reporting a charge-off for an account I did not open violates FCRA accuracy standards. It affects my credit profile and misrepresents my financial history. I request removal and verification of all reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX Late Payment, Balance Owed : {$900.00}, Opened : XX/XX/XXXX The reported late payment is incorrect. FCRA Sections 607 and 611 require that all reported information be accurate and verifiable. I dispute this account and request immediate correction or deletion. 

XXXX XXXX XXXX XXXX Collection, High Balance : {$1700.00}, Opened : XX/XX/XXXX This collection account is not mine. Reporting it without proper verification violates FCRA Section 611. It misrepresents my creditworthiness to lenders and impacts my ability to obtain credit. I request full reinvestigation and removal. 

XXXX XXXX XXXX XXXX Collection, High Balance : {$2100.00}, Opened : XX/XX/XXXX This account is inaccurate and has no association with me. FCRA Section 611 mandates that disputed items be verified before reporting. I request deletion and written confirmation of reinvestigation results. 

XXXX XXXX XXXX XXXX Collection, High Balance : {$1500.00}, Opened : XX/XX/XXXX I dispute this collection account. FCRA Section 611 requires verification of disputed accounts. Reporting unverified collections harms my credit and violates my consumer rights. I request removal. 

XXXX XXXX XXXX XXXX Collection, High Balance : {$460.00}, Opened : XX/XX/XXXX This collection is not mine. Reporting inaccurate collections violates FCRA Section 611 and damages my credit history. I demand immediate deletion and reinvestigation. 

XXXX XXXX XXXX XXXX Collection, High Balance : {$10000.00}, Opened : XX/XX/XXXX This account is not associated with me. FCRA requires accurate reporting ; unverified collections violate Section 611. Immediate deletion is requested, along with written confirmation of correction. 
XXXX XXXX XXXX XXXX Collection, High Balance : {$440.00}, Opened : XX/XX/XXXX I dispute this collection as inaccurate. FCRA mandates verification prior to reporting. Maintaining this account misrepresents my credit profile. I request deletion and reinvestigation. 

XXXX XXXX XXXX XXXX Collection, Balance Owed : {$370.00}, Opened : XX/XX/XXXX This collection does not belong to me. Reporting it without verification violates FCRA Section 611. I request deletion and a full reinvestigation to prevent further harm to my credit. 

Inquiry Disputes XXXX XXXXXXXX XX/XX/XXXX Unauthorized Inquiry I did not authorize this inquiry. FCRA Section 604 ( a ) ( 3 ) prohibits unauthorized credit checks. Its presence negatively impacts my credit and constitutes a violation. I request deletion immediately and confirmation of removal. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry I never authorized this inquiry. FCRA Section 604 ( a ) mandates that only authorized inquiries appear on a credit report. I request deletion and a written confirmation of correction. 

XXXX XXXX XX/XX/XXXX Unauthorized Inquiry This inquiry is unauthorized. Reporting without authorization violates FCRA Section 604 ( a ). I request removal and reinvestigation of the circumstances surrounding this inquiry. 

XXXX, XXXX XX/XX/XXXX Unauthorized Inquiry I dispute this inquiry as I did not provide consent. FCRA Section 604 ( a ) requires deletion of unauthorized inquiries. I request immediate removal and confirmation of reinvestigation. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

Company response to consumer: Closed with non-monetary relief