Consumer complaint received 2025-06-04 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:
To Whom It May Concern, I am writing to file a formal complaint against multiple credit furnishers and consumer reporting agencies ( CRAs ) for reporting inaccurate, outdated, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection statutes. 
XXXX. Inaccurate Personal Addresses Reported : The following addresses are being falsely associated with my credit file. I have never lived at, used, nor authorized the use of these addresses. This is a direct violation of 15 U.S. Code 1681e ( b ) failure to maintain accurate and up-to-date information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting immediate deletion of these addresses from all consumer reports held by Experian, Equifax, and TransUnion as they are causing confusion and may be contributing to identity mix-ups or misreporting.

2. Disputed Accounts with Legal Violations : Below are the specific accounts being disputed for being inaccurately reported, unverifiable, or in violation of consumer protection laws : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Charged-off status reported incorrectly, balance appears inflated, and account validation has not been provided. 
Violations : o 15 U.S. Code 1681i failure to reinvestigate disputed information.

o 15 U.S. Code 1692g no proper debt validation under FDCPA. 
B. XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  High Balance : {$49000.00} Date Opened : XX/XX/XXXX Issue : Charged-off without proper investigation into hardship or validation ; balance is inconsistent. 
Violations : o 15 U.S. Code 1681s-2 furnishing inaccurate information after notice of dispute.

o 15 U.S. Code 1681b possible impermissible access if obtained without my knowledge. 
XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Issue : Collection status being reported despite multiple disputes and lack of any billing statements or validation. 
Violations : o 15 U.S. Code 1692e ( 8 ) false or misleading representation of debt. o 15 U.S. Code 1681e ( b ) failure to ensure maximum possible accuracy. 
XXXX TN CHILD SUPPORT Account # : XXXX * High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Reporting a charge-off on an account with {$0.00} balance is inaccurate and harmful. 
Violations : o 15 U.S. Code 1681c reporting obsolete or misleading public records. 
o Equal Credit Opportunity Act ( XXXX ) potential discrimination in credit scoring based on flawed records. 
XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  High Balance : {$130.00} Date Opened : XX/XX/XXXX ( future-dated, impossible ) Issue : Reporting a collection account with a future date, which proves a system or data entry error. 
Violations : o 15 U.S. Code 1681e ( b ) clear inaccuracy and failure to maintain truthful records.

o 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) duty to investigate and correct disputes within 30 days. 
Relief Requested : I am requesting that the CFPB conduct a full investigation into the reporting practices of the furnishers and CRAs involved. Specifically, I request the following : 1. Immediate deletion of all inaccurate addresses listed above. 
XXXX. Deletion or correction of all disputed accounts unless verifiable documentation is provided within 30 days. 
XXXX. Investigation into potential systemic violations by the furnishers and their data furnishers. 
XXXX. Confirmation in writing of the resolution of each dispute. 
Enclosures ( if submitting by mail or uploading evidence ) : Proof of Identity Utility Bill or Lease to confirm correct address Screenshot ( XXXX ) of credit report data Previous dispute letters ( if any ) Thank you for your attention to this matter. I expect a swift and thorough resolution in accordance with the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and applicable consumer laws.

Company response to consumer: Closed with non-monetary relief