Consumer complaint received 2025-05-23 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 writing to formally lodge a complaint concerning numerous errors, unauthorized entries, and potentially fraudulent information listed on my credit report. These inaccuracies are causing substantial emotional, financial, and reputational harm, and are in direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ). 

Specifically, my credit report has been populated with several addresses that I have never resided at, nor had any affiliation with : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( listed twice ) XXXX XXXX XXXX, XXXXXXXX  TX XXXX ( listed twice ) XXXX XXXX XXXX, XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX  TX XXXX XXXX XXXX XXXX, XXXXXXXX TX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX These addresses appear to have been mistakenly or fraudulently linked to my identity, suggesting a possible case of identity theft or systemic reporting error. Their presence undermines the integrity of my credit file and poses a serious risk to my financial stability. 

Additionally, the following credit accounts have been falsely or inaccurately reported : XXXX ( Acct ending XXXX ) High balance of {$760.00} marked with late payments I did not make. 

XXXX XXXX ( Acct # XXXXXXXX  ) High balance {$120.00}, newly opened yet falsely flagged with late payment. 

XXXX XXXX XXXXXXXX XXXX ( Acct # XXXXXXXX XXXX ) A {$660.00} collection account inaccurately attributed to me. 

XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX ) {$2100.00} in collections which I do not recognize. 

XXXX XXXXXXXX XXXX ( Acct # XXXXXXXX XXXX  ) An outdated charge-off of {$3500.00} that is either incorrect or time-barred under statute of limitations. 

Equally concerning are the numerous hard inquiries found on my credit profile for which I never applied or authorized, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries are direct violations of FCRA 1681b, which restricts credit inquiries to those made for permissible purposes and with consumer authorization. 

As a direct result of these inaccuracies, I have been denied credit opportunities, experienced emotional distress, and suffered harm to my creditworthiness. These actions constitute willful and negligent noncompliance under FCRA 1681n and 1681o, and entitle me to legal remedies. 

Therefore, I formally request the immediate removalnot correctionof all the false addresses, inaccurate account entries, and unauthorized inquiries listed above. I also demand that the credit reporting agencies involved conduct a full investigation and provide me with written confirmation of the deletion within ten ( 10 ) business days pursuant to 15 U.S. Code 1692k and 1681i. 

I further affirm : " Do not send generic stall letters. Per FCRA regulations, each dispute must be addressed individually and based on its merits. Any attempt to delay processing based on assumptions about third-party assistance will be considered a willful violation under 15 U.S.C. 1681n. 
I AM FAMILIAR WITH THE LAW & I KNOW IT IS IN MY RIGHT TO HAVE 3RD PARTY SOFTWARE HELP WRITE MY DISPUTES! '' Thank you in advance for your immediate attention to this matter. I trust that the CFPB will take appropriate regulatory action to ensure my rights are protected.

Company response to consumer: Closed with non-monetary relief