Consumer complaint received 2025-08-05 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:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report currently contains multiple inaccuracies, unverifiable debts, and unauthorized inquiries that are severely affecting my financial life and peace of mind. Despite repeated disputes, these errors remain unresolved, and I am now escalating this matter for your urgent attention. 

XXXX XXXX XXXX XXXX XXXX TX XXXX Wrong Address Issue : Repeatedly associating me with the wrong address compounds harm and increases my risk of data mismatch. Law : Section 609 ( a ) of FCRA grants me the right to know the sources and accuracy of all information in my file. Story : This address is a repeated error, damaging my creditworthiness and making me appear unreliable to creditors. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : Incorrect reporting brings risk of identity confusion and loss of opportunities. Law : FCRA mandates each item to be accurate and verifiable. Story : My family, work, and documents have never listed this address; misreporting damages my trust in your system. 

XXXX XXXX XXXX XXXX TX XXXX Wrong Address Issue : Continuing wrong associations. Law : Same mandate of accuracy. Story : Added hardship if someone elses negative information is mixed with my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Wrong address in reports leads to regulatory violations and personal distress. Story : Never lived, worked or listed this as my address ; this may cause future denial of vital financial services. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Wrong Address Issue : Ongoing factual inaccuracies in my file. Law : You must promptly remove unverifiable data per FCRA guidelines. Story : Never connected, which shows how vital it is to keep credit files updated and mistake-free. 

XXXX XXXX XXXX XXXX TX XXXX Wrong Address Issue : Factual errors in reporting. Story : In repeated cases, wrongful entries such as these may indicate systemic mistakes needing root cause correction. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$1400.00} Charge Off Issue : This account is listed as a charge-off, which negatively impacts my credit by making me appear risky to potential creditors. Law : If this entry is inaccurate or unverifiable, per FCRA Section 609 ( a ) and 611 ( a ), it must be deleted. Story : I have no records showing responsibility for this account, and demand investigation and proof of my authorization and liability. 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Balance {$0.00} Charge Off Issue : Charge-off with zero balance creates confusion and can be misleading to lenders. Law : FCRA compliance required. Story : I never received notice or documentation substantiating this debt, thus believe it to be mistaken or fraudulent. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$0.00} Charge Off Issue : Duplicate or mistaken charge-off entries. Law : Only accurate and current info allowed. Story : This entry does not pertain to me ; incorrect information may signify a mixed or stolen identity profile. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$0.00} Charge Off Issue : Repeated errors for same account. Law : FCRA demands thorough investigation to prevent harm from duplicative or false negative entries. Story : This not only devalues my credit but also demonstrates lack of diligence in file management. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$4600.00} Charge Off Issue : Negative high balance reported as charge-off is especially damaging. Law : Proof and timely notification required. Story : Never owned or used this credit cardwill require documentation of my signature, application, and payment records. 

XXXX XXXX Date Opened XX/XX/XXXX High Balance {$0.00} Charge Off Issue : Another error causing financial harm. Story : I have never held any relationship with this entity, so listing a charge-off is both false and damaging. 

XXXX XXXX Date Opened XX/XX/XXXX High Balance {$0.00} Charge Off Issue : Incorrect charge-off entry implies negative payment behavior I have not engaged in. Law : FCRA and FACTA require the removal of inaccurate items. Story : I have never received any correspondence or card from XXXX, let alone defaulted on it. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$320.00} Late Payment Issue : Late payment penalty unjustly reported. Law : Section 609 ( a ) need all records validating this debt. Story : I dispute owing any money to XXXX ; unproven, unacknowledged debts should not burden my credit. 

XXXX XXXX XXXX ( every entry ) Issue : Multiple entries for late payments with {$0.00} high balance creates appearance of repeated negative behavior that is not correct or justified. Law : Duplicate or aged debts are prohibited from being routinely reported per FCRA Section 605 ( a ). Story : I have either repaid or rehabilitated my education loans and dispute that so many late payment entries truly reflect my situation ; this looks like duplicate reporting and inaccurate account history. 


XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Balance {$0.00} Collection Issue : Ongoing issue with collection item not owed by me. Law : Proof must be provided as per 15 U.S. Code 1681i. Story : No knowledge of debt with this agency. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Inquiries : Issue : Excessive or unauthorized hard inquiries, some possibly fraudulent or due to identity theft, affect my credit score. Law : FCRA Section 604hard inquiry must be authorized ; section 609 ( a ) allows me to request proof of my authorization for each. Story : I did not apply for credit or authorize these entities to access my report; excessive inquiries damage my creditworthiness and must be promptly investigated and removed if not authorized. 

Final Note : These errors have caused me repeated emotional distress, financial loss, and embarrassment. Despite contacting the furnishers and credit bureaus, no resolution has occurred. I respectfully request CFPB 's intervention to : 1. Fully investigate all inaccurate accounts, addresses, and inquiries.

2. Compel the furnishers to provide documented proof or delete the items.

3. Ensure all entities comply with the FCRA and FDCPA.

4. Provide a written resolution within the legal timeframe.

Thank you for your time and support in helping protect my consumer rights.

Company response to consumer: Closed with non-monetary relief