Consumer complaint received 2025-11-04 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 against the credit bureaus and furnishers for failing to maintain accurate and verifiable information on my credit file. The following items are being reported inaccurately and are causing harm to my consumer rights under federal law. I am demanding a full reinvestigation and immediate correction or removal of these items from my credit report. 

Addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX These addresses are completely inaccurate and unrelated to my verified identity or credit activity. Reporting incorrect addresses violates FCRA 607 ( b ), which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy. False address reporting may lead to mixed files or mistaken identity issues. I demand immediate removal of these addresses from my credit file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$250.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX This account reflects a late payment that has never been validated with supporting records. The furnisher has not produced any proof of default or original documentation confirming its accuracy. Reporting unverifiable payment data violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). Any unverifiable information must be permanently deleted for compliance. 

XXXX XXXX Account No : XXXXXXXX XXXX  High Balance : {$350.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX  This charge-off is falsely reported and lacks lawful verification. The furnisher has not provided a contract, billing statement, or other documentation proving account ownership. Under FCRA 607 ( b ) and 611 ( a ) ( 5 ), unverified data must be deleted. Continuing to report an unverified charge-off is an act of willful noncompliance and must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX  This alleged charge-off is not validated. There is no proof that this debt exists, nor any evidence that it was legally charged off. Reporting unverifiable derogatory data violates FCRA 602 ( A ) and 623 ( a ) ( 3 ). The lack of verification and documentation requires immediate deletion to comply with the law. 

XXXX Account No : XXXX XXXX High Balance : {$26000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX This late payment has not been validated by any lawful evidence. The creditor has failed to supply original records or statements proving delinquency. Reporting unverifiable or incomplete payment data violates FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ). This inaccurate entry must be deleted for noncompliance. 

CHRYSLERCAP Account No : XXXXXXXX XXXX High Balance : {$25000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX  This account was listed as a charge-off without any legal validation or documentation. Reporting unverified data is a violation of FCRA 623 ( b ) ( 1 ) ( D ) and FDCPA 807 ( 8 ). No original contract or payment records have been shown to establish accuracy. This entry must be removed from my file immediately. 

XXXX XXXX Account No : XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX This charge-off is inaccurate and unsupported by any verified documentation. The creditor has not proven ownership, contract, or delinquency details. Under FCRA 611 ( a ) ( 1 ) and 607 ( b ), unverifiable accounts must be deleted. The continued presence of this unverified entry violates federal law. 

XXXXXXXX XXXX Account No : XXXXXXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX This account has never been validated by the furnisher. No proof of default or original contract has been presented, violating FDCPA XXXX ( b ) and FCRA 623 ( a ) ( 3 ). Continuing to report an unverified charge-off after a formal dispute is an unlawful practice. Delete this entry immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX Collection This collection account was reported without debt validation or proof of ownership. The furnisher has not produced any documentation linking me to this account. Under FDCPA 809 ( a ) and FCRA 623 ( b ), reporting without validation is unlawful. This collection must be deleted immediately. 

XXXX Account No : XXXXXXXX XXXX  High Balance : {$13000.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX This alleged collection is unverified. There is no record showing that I authorized, owned, or defaulted on this debt. Reporting this unvalidated debt violates FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ). I demand immediate deletion for failure to verify within the dispute period. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Collection This collection is inaccurately reported and unverified. No validation notice or proof of debt ownership has been presented, violating FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ). This item must be deleted to restore the integrity of my file. 

XXXX XXXX Account No : XXXX High Balance : {$770.00} Date Opened : XX/XX/XXXX Collection * This collection account has not been validated as required by FDCPA 809 ( a ). Reporting a collection without proof of ownership violates FCRA 623 ( a ) ( 3 ). As no documentation has been received, this entry must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX  has failed to validate or verify the accuracy of this charge-off. Reporting a debt without proof of ownership or proper validation violates FCRA 623 ( b ) ( 1 ) and FDCPA 809 ( b ). Unverified and unvalidated items must be deleted immediately per FCRA 611 ( a ) ( 5 ). 

XXXX Account No : XXXX Balance : {$390.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX This collection account is inaccurate and unsupported. No validation letter, contract, or original proof of debt has been produced. This violates FDCPA 807 ( 8 ) and FCRA 623 ( a ) ( 1 ). As it remains unverified, it must be deleted immediately. 

XXXX : XXXX XX/XX/XXXX This inquiry was made without my authorization, consent, or permissible purpose under FCRA 604 ( a ). I did not apply for any credit or authorize this entity to access my report. This inquiry violates my privacy rights under FCRA 604 ( a ) ( 3 ) and must be immediately removed from my file. 

I request that the CFPB hold the credit bureaus and furnishers accountable for these violations and ensure immediate corrective action is taken. I am requesting the deletion of the inaccurate address, removal of unverifiable late payments, and deletion of the unauthorized inquiry. I expect full written confirmation of the actions taken in response to this complaint. These violations have caused measurable harm to my reputation and financial standing, and I am exercising my full rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act to demand compliance and correction.

Company response to consumer: Closed with non-monetary relief