Consumer complaint received 2025-06-13 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:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting this complaint because I have suffered significant harm due to the reckless and inaccurate actions of multiple data furnishers and credit reporting agencies. My consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have been violated repeatedly. I respectfully request the CFPB to investigate the following violations and compel full correction and deletion of the disputed information. 
PERSONAL INFORMATION MISUSE Several addresses that are being reported under my credit file are completely incorrect and do not belong to me. I have never lived at, used, or authorized the use of these addresses. This misreporting has caused confusion and may indicate identity fraud or mixed files, violating FCRA 607 ( b ) which requires the utmost accuracy in consumer reports.

Wrong Addresses Being Reported : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX must be immediately removed from all my credit files. They are not connected to me in any capacity. 
INACCURATE, DUPLICATE & UNVERIFIED ACCOUNTS I am also disputing a long list of accounts reported as charge-offs, collections, or late payments, many of which are either inaccurate, unverifiable, or duplicated under different names. 
Charge-Off Accounts : 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 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 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 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 is listed 3 times with the same account number and balance, under different names. This is misleading and illegal under FCRA and FDCPA. These accounts must be immediately deleted. 
UNAUTHORIZED & EXCESSIVE HARD INQUIRIES I have also noticed an excessive number of hard inquiries, many of which I did not authorize. This appears to be an abuse of the " permissible purpose '' clause under FCRA 604 ( a ). I did not give written permission for many of these inquiries, and they should not be listed on my file.

Examples : 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 all within a short window XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These inquiries are causing harm and must be removed immediately unless documented proof of authorization is provided. 
VIOLATED LAWS & RIGHTS The following federal consumer protection laws have been violated : FCRA 602 Reporting inaccurate, outdated, or unverifiable information FCRA 607 ( b ) Failure to ensure accuracy and fairness FCRA 611 Failing to investigate my disputes FDCPA 807 ( 8 ) Reporting false or misleading credit info FCRA 604 ( a ) Performing inquiries without my consent FCRA 609 ( a ) ( 1 ) Refusal to provide verification of account ownership WHAT I AM REQUESTING I respectfully request the CFPB to assist me in obtaining the following relief : 1. Immediate deletion of all incorrect addresses.

2. Deletion of all unverified, duplicated, or inaccurate accounts.

3. Removal of all unauthorized and excessive hard inquiries.

4. Written explanation or validation from furnishers or CRAs for every remaining item.

5. Appropriate fines, sanctions, or corrective action where violations are found. 
Final Note This situation has seriously impacted my financial life. I have been denied credit, suffered emotional stress, and had to spend significant time defending my own identity. I am relying on the CFPB to enforce my rights and take swift action to correct these violations. 
Thank you for your time, support, and for protecting consumer rights.

Company response to consumer: Closed with non-monetary relief