Consumer complaint received 2025-05-22 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 formal complaint to the Consumer Financial Protection Bureau to address numerous and persistent inaccuracies reported on my consumer credit files, which continue to cause significant personal and financial harm. Despite previous disputes filed directly with the nationwide consumer reporting agencies, the erroneous entries remain unresolved, misrepresenting both personal identifying information and account statuses in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Multiple incorrect addresses are continually being attributed to my file, none of which I have ever resided at, including : XXXXXXXX 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 and repeated erroneous listings of XXXXXXXX XXXX XXXX XXXX in variations not reflective of my actual address. This misreporting poses severe privacy concerns and impairs the integrity of my consumer file. 
Additionally, several tradelines reflect inaccurate derogatory marks. XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX indicates a late payment without substantiated proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) lists a collection balance of {$3400.00} which I dispute as unvalidated. Multiple entries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others ) reflect charge-offs which were not only inaccurately dated but potentially duplicated, presenting a misleading financial picture. 
Compounding the issue, there are a disturbing number of hard inquiries listed on my report within a short timeframe from entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX among others, spanning from XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not authorize the majority of these inquiries, and they appear to result from unauthorized access or systematic errors, violating permissible purpose guidelines under 15 U.S.C. 1681b. 
The continued reporting of these inaccuracies has resulted in denials of credit applications, inflated interest rates, and substantial emotional distress, including anxiety and reputational harm. Despite good-faith efforts to resolve these issues with the credit bureaus, their responses have been largely dismissive, often in the form of generic stall letters or unverifiable re-verification claims from third-party furnishers. 
Under 15 U.S.C. 1681i ( a ), consumer reporting agencies are obligated to conduct reasonable investigations when a dispute is submitted. Their failure to do so, coupled with the ongoing distribution of these inaccuracies, constitutes willful noncompliance as defined under 15 U.S.C. 1681n. I am demanding immediate correction or deletion of all disputed items and written confirmation of these actions. 
Please consider this my formal request for the CFPB to investigate the practices of the involved consumer reporting agencies and furnishers. I request enforcement action as appropriate under 15 U.S.C. 1681s, and if necessary, I am prepared to escalate this issue to the Federal Trade Commission and my State Attorney General. 
I further demand full compliance within 10 days of receipt of this complaint. Continued noncompliance will prompt additional actions, including but not limited to civil remedies under 15 U.S.C. 1681o and 1692k of the Fair Debt Collection Practices Act, should third-party collection be involved.

Company response to consumer: Closed with non-monetary relief