Consumer complaint received 2025-07-17 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:
b"To Whom It May Concern,\nThis is a formal complaint against the credit reporting agencies and furnishers who have reported inaccurate addresses, unauthorized inquiries, and damaging accounts on my credit file. I believe these errors are the result of negligence, inaccurate reporting practices, possible identity theft, or mixed file issues. Despite prior disputes, these harmful entries remain unresolved. I am now submitting this complaint to the CFPB to seek resolution under my rights provided by the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).\n\nWRONG ADDRESSES:\n XXXX XXXX XXXX XXXX XXXX XXXX   Wrong Address\nIssue: This address does not belong to me and was never associated with any of my financial, employment, or residential history. Its inclusion is a misrepresentation of my identity.\nLaw: Violates FCRA  1681e(b)  CRA must follow reasonable procedures to ensure maximum possible accuracy.\nStory: I have never lived at or been affiliated with this location. I fear this is due to either identity theft or a mixed file issue. This misinformation is damaging my credit profile and causing XXXX every time I apply for credit.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nIssue: Incorrect address reported.\nLaw: FCRA  602(A)(1) states consumers deserve fair and accurate credit reporting.\nStory: This address never belonged to me. Its presence creates confusion and suggests a possibly compromised credit file or identity mix-up.\n XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nIssue: Invalid and false data included in credit profile.\nLaw: Under FCRA  1681e(b), reporting agencies must ensure accurate identity information.\nStory: This address is completely unknown to me. I have never lived there and this incorrect reporting has made it difficult to obtain housing and credit.\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nIssue: Extremely outdated or completely unrelated address.\nLaw: Under FCRA  1681c(a), obsolete data must not be included.\nStory: This appears to be a rural route box not associated with me in any way. Keeping it on my report implies fraud or cross-file contamination.\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Wrong Address\nIssue: Wrong, non-residential address showing on file.\nLaw: Violates FCRA  1681e(b) for accuracy and fair profiling.\nStory: Ive never lived or worked at this location. I suspect identity misuse or a clerical error linking someone else's data to my profile.\n NEGATIVE ACCOUNTS:\n XXXX XXXX XXXXollection  Balance XXXX XXXXate Opened: XXXXXXXXnIssue: Collection reported without prior communication, validation, or proof of debt.\nLaw: FDCPA  809(a) requires validation of debt upon request. FCRA  1681i mandates reinvestigation of disputed data.\nStory: I never received any notice about this debt before it went to collections. I am unfamiliar with this company and believe this may be identity-related or due to reporting errors. It is hurting my credit score and my chances at securing necessary services.\XXXX XXXX XXXX XXXX XXXX   Late Payment  High Balance: XXXX XXXX XXXX XXXXIssue: Late payment inaccurately reported. I was under financial hardship.\nLaw: CARES Act + FCRA  1681s-2(a)(1)(A)  Creditors must report accommodations accurately.\nStory: I entered a hardship program and expected leniency or updated reporting. Reporting me as late despite communication and agreement is harmful and unjust. I request a corrected update or removal.\n SXXXX XXXX XXXX XXXXate Payment  High Balance: XXXX XXXXate Opened: XXXXnIssue: Late payment reported unfairly without full disclosure or flexibility.\nLaw: FCRA  1681s-2 + Equal Credit Opportunity Act (ECOA)  creditors must allow fair reporting.\nStory: I was financially impacted and notified the lender in advance. Instead of help, they marked me late. This accounts impact is disproportionate to the debt and is hurting my financial reputation.\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened: XXXXnIssue: Charge-off account appears without full documentation or breakdown of balance.\nLaw: FDCPA  807(8) prohibits deceptive collection practices. FCRA  1681e(b) mandates maximum accuracy.\nStory: I did not receive any notice, settlement options, or payment history before this was charged off. I suspect either fraudulent usage or administrative failure. I request validation or complete removal.\n\nFinal Statement & Request\nDue to the severe and harmful nature of these inaccuracies, I request the CFPB to:\n\tInvestigate all the unauthorized inquiries\n\tRemove the wrong addresses permanently\n\tFully validate or remove the inaccurate accounts\n\tEnsure all reporting complies with FCRA and FDCPA\n\tPrevent further harm to my credit standing\nI am suffering reputational, emotional, and financial hardship due to this false information. I respectfully urge you to enforce compliance and hold the reporting agencies and furnishers accountable.\nThank you for your time and assistance in correcting these errors."

Company response to consumer: Closed with non-monetary relief